Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs SBI Card PRIME

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
View Full Details

SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardSBI Card PRIME
Annual Fee₹5,000₹2,999
Joining Fee₹5,000₹2,999
Fee Waiver Spend₹3,00,000₹3,00,000
Base Reward Rate1%0.125%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or SBI Card PRIME?
Axis Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME 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 SBI Card PRIME?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while SBI Card PRIME has an annual fee of ₹2,999. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or SBI Card PRIME?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or SBI Card PRIME?
For beginners, SBI Card PRIME may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Signature Credit Card vs SBI Card ELITESBI Card PRIME vs SBI Card ELITE

Explore More

Axis Bank Signature Credit Card Full ReviewSBI Card PRIME Full ReviewAll Axis Bank CardsAll SBI Card CardsBest Travel CardsBest Lounge Access CardsBrowse All Credit CardsCredit Card Guides & Tips