Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs SBI Card - Tata Card SELECT

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 - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardSBI Card - Tata Card SELECT
Annual Fee₹5,000₹2,999
Joining Fee₹5,000₹2,999
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencyEDGE REWARD PointsEmpower Points
NetworkVisaVisa
Editor Rating7.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

SBI Card - Tata Card SELECT

No accelerated rewards listed

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 - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Our Verdict

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

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or SBI Card - Tata Card SELECT?
SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Signature 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 SBI Card - Tata Card SELECT?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while SBI Card - Tata Card SELECT has an annual fee of ₹2,999. 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 SBI Card - Tata Card SELECT?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. SBI Card - Tata Card SELECT offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and SBI Card - Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and SBI Card - Tata Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or SBI Card - Tata Card SELECT?
For beginners, SBI Card - Tata Card SELECT 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 - Tata Card SELECT vs SBI Card ELITEAxis Bank Signature Credit Card vs SBI Card PRIMESBI Card - Tata Card SELECT vs SBI Card PRIMEAxis Bank Signature Credit Card vs ICICI Bank Rubyx Credit CardSBI Card - Tata Card SELECT vs ICICI Bank Rubyx Credit Card

Explore More

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