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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs Paytm SBI 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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SBI Card

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardPaytm SBI Card
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaRuPay
Editor Rating7.5/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

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

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

Our Verdict

Both Axis Bank Signature Credit Card and Paytm SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Signature Credit Card if

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

Choose Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or Paytm SBI Card?
Both Axis Bank Signature Credit Card and Paytm SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Signature Credit Card and Paytm SBI Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while Paytm SBI Card has an annual fee of ₹499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or Paytm SBI Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. Paytm SBI Card offers 1% base rewards with bonuses on Paytm Mall and Paytm Travel. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and Paytm SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and Paytm SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or Paytm SBI Card?
For beginners, Paytm SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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