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Side-by-Side Comparison|Updated March 2026

Axis Bank Pride Platinum Credit Card vs Air India SBI Signature Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
NetworkVisa
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Pride Platinum Credit CardAir India SBI Signature Card
Annual Fee₹250₹4,999
Joining FeeFree₹4,999
Fee Waiver Spend₹20,000N/A
Base Reward Rate0.4%0.25%
Reward CurrencyeDGE Reward PointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

Air India SBI Signature Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Pride Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: Axis Bank Pride Platinum Credit Card or Air India SBI Signature Card?
Air India SBI Signature Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Pride Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Pride Platinum Credit Card and Air India SBI Signature Card?
Axis Bank Pride Platinum Credit Card has an annual fee of ₹250, while Air India SBI Signature Card has an annual fee of ₹4,999. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 annual spend.
Which card has better rewards: Axis Bank Pride Platinum Credit Card or Air India SBI Signature Card?
Axis Bank Pride Platinum Credit Card offers a base reward rate of 0.4%. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Pride Platinum Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Pride Platinum Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Pride Platinum Credit Card or Air India SBI Signature Card?
For beginners, Axis Bank Pride Platinum Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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