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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs Tata Platinum 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

Tata Platinum SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardTata Platinum SBI Card
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyEDGE REWARD PointsTata Card Reward Points
NetworkVisaVisa
Editor Rating7.5/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

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

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

Our Verdict

Tata Platinum SBI Card 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 Tata Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or Tata Platinum SBI Card?
Tata Platinum SBI Card 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 Tata Platinum SBI Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while Tata Platinum SBI Card has an annual fee of ₹499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or Tata Platinum SBI Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. Tata Platinum SBI Card offers 1% base rewards with bonuses on Tata Outlets - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and Tata Platinum SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and Tata Platinum SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or Tata Platinum SBI Card?
For beginners, Tata Platinum 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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