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Side-by-Side Comparison|Updated March 2026

Axis Bank Visa Infinite Credit Card vs Tata Star 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Visa Infinite Credit CardTata Star SBI Card
Annual Fee₹30,000₹499
Joining Fee₹30,000₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate0.6000000000000001%1%
Reward CurrencyEDGE Reward PointsReward Point
NetworkVisaVisa
Editor Rating7/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

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

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

Our Verdict

Tata Star SBI Card 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 Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

Frequently Asked Questions

Which is better: Axis Bank Visa Infinite Credit Card or Tata Star SBI Card?
Tata Star SBI Card 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 Tata Star SBI Card?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while Tata Star SBI Card has an annual fee of ₹499. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or Tata Star SBI Card?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on TRAVEL. Tata Star SBI Card offers 1% base rewards with bonuses on Grocery and Dining. The better choice depends on your primary spending categories.
Can I have both Axis Bank Visa Infinite Credit Card and Tata Star SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Visa Infinite Credit Card and Tata Star 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 Tata Star SBI Card?
For beginners, Tata Star 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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