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Side-by-Side Comparison|Updated March 2026

Axis Bank Visa Infinite 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 Visa Infinite Credit Card

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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Visa Infinite Credit CardSBI Card - Tata Card SELECT
Annual Fee₹30,000₹2,999
Joining Fee₹30,000₹2,999
Fee Waiver SpendN/AN/A
Base Reward Rate0.6000000000000001%1%
Reward CurrencyEDGE Reward PointsEmpower Points
NetworkVisaVisa
Editor Rating7/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

SBI Card - Tata Card SELECT

No accelerated rewards listed

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

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 Visa Infinite Credit 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 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 Visa Infinite 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 Visa Infinite 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 Visa Infinite Credit Card and SBI Card - Tata Card SELECT?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while SBI Card - Tata Card SELECT has an annual fee of ₹2,999.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or SBI Card - Tata Card SELECT?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% 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 Visa Infinite Credit Card and SBI Card - Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Visa Infinite 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 Visa Infinite 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.

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