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Side-by-Side Comparison|Updated March 2026

Axis Bank Titanium Smart Traveler Credit Card vs SBI Card MILES ELITE

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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SBI Card

SBI Card MILES ELITE

8.2/10
Annual Fee₹4,999
Base Rewards1%
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Feature-by-Feature Comparison

FeatureAxis Bank Titanium Smart Traveler Credit CardSBI Card MILES ELITE
Annual Fee₹100₹4,999
Joining Fee₹250₹4,999
Fee Waiver Spend₹50,000₹15,00,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsTravel Credits
NetworkMastercardMastercard
Editor Rating6.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

SBI Card MILES ELITE

No accelerated rewards listed

Pros & Cons

Axis Bank Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

SBI Card MILES ELITE

Pros

  • High 3% reward rate on travel spends (6 Travel Credits per ₹200).
  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points with major partners.
  • Unique spend-linked domestic lounge access (1 extra visit per ₹1 Lakh spend).
  • Low foreign currency markup of 1.99%, ideal for international travelers.

Cons

  • High annual fee of ₹4,999 with a steep waiver threshold of ₹15 Lakhs.
  • Lounge access is capped per quarter (2 visits), which may be restrictive for frequent flyers.
  • Air Accident insurance coverage was discontinued as of July 2025.

Our Verdict

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

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Choose SBI Card MILES ELITE if

High reward rates on flights and hotels with 1:1 mile conversion across multiple airlines.

Frequently Asked Questions

Which is better: Axis Bank Titanium Smart Traveler Credit Card or SBI Card MILES ELITE?
SBI Card MILES ELITE edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card and SBI Card MILES ELITE?
Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100, while SBI Card MILES ELITE has an annual fee of ₹4,999. Axis Bank Titanium Smart Traveler Credit Card offers a fee waiver on ₹50,000 annual spend. SBI Card MILES ELITE offers a fee waiver on ₹15,00,000 annual spend.
Which card has better rewards: Axis Bank Titanium Smart Traveler Credit Card or SBI Card MILES ELITE?
Axis Bank Titanium Smart Traveler Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on International Spends and Domestic Travel (Hotels, Ai.... SBI Card MILES ELITE offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Titanium Smart Traveler Credit Card and SBI Card MILES ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Titanium Smart Traveler Credit Card and SBI Card MILES ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Titanium Smart Traveler Credit Card or SBI Card MILES ELITE?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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