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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs Axis Bank Platinum Credit 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 Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardAxis Bank Platinum Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹500
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.6000000000000001%
Reward CurrencyEDGE REWARD PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating7.5/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

Our Verdict

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

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or Axis Bank Platinum Credit Card?
Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank 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 Signature Credit Card and Axis Bank Platinum Credit Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while Axis Bank Platinum Credit Card has an annual fee of ₹500. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or Axis Bank Platinum Credit Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. Axis Bank Platinum Credit Card offers 0.6000000000000001% base rewards with bonuses on International Spends and Birthday Month. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and Axis Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and Axis Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or Axis Bank Platinum Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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