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Side-by-Side Comparison|Updated March 2026

Axis Bank Visa Infinite Credit Card vs Lifestyle Home Centre Max 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 Visa Infinite Credit Card

7/10
Annual Fee₹30,000
Base Rewards0.6000000000000001%
NetworkVisa
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SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Visa Infinite Credit CardLifestyle Home Centre Max SBI Card
Annual Fee₹30,000₹499
Joining Fee₹30,000₹499
Fee Waiver SpendN/AN/A
Base Reward Rate0.6000000000000001%0.25%
Reward CurrencyEDGE Reward PointsReward Points
NetworkVisaVisa
Editor Rating7/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Pros & Cons

Axis Bank Visa Infinite Credit Card

Pros

  • Unlimited domestic lounge access for both primary and add-on cardholders
  • Complimentary 6 golf rounds per year at premier golf courses in India
  • Comprehensive insurance cover including air accident cover up to ₹4.5 Crores
  • Dedicated 24/7 Concierge services for travel and lifestyle assistance

Cons

  • High annual fee of ₹30,000 with no clearly defined spend-based waiver
  • Low reward earn rate (0.6% domestic) compared to other super-premium cards
  • Reward points value is relatively low at ₹0.20 per point for most redemptions

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

Our Verdict

Axis Bank Visa Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Visa Infinite Credit Card if

Individuals seeking premium lifestyle privileges, unlimited domestic lounge access, and golf benefits.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Frequently Asked Questions

Which is better: Axis Bank Visa Infinite Credit Card or Lifestyle Home Centre Max SBI Card?
Axis Bank Visa Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Visa Infinite Credit Card and Lifestyle Home Centre Max SBI Card?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while Lifestyle Home Centre Max SBI Card has an annual fee of ₹499.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or Lifestyle Home Centre Max SBI Card?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on TRAVEL. Lifestyle Home Centre Max SBI Card offers 0.25% base rewards with bonuses on Landmark Stores - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Axis Bank Visa Infinite Credit Card and Lifestyle Home Centre Max SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Visa Infinite Credit Card and Lifestyle Home Centre Max SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Visa Infinite Credit Card or Lifestyle Home Centre Max SBI Card?
For beginners, Lifestyle Home Centre Max 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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