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Side-by-Side Comparison|Updated April 2026

Axis Bank Vistara Infinite Credit Card vs SBI Card - Air India SBI Platinum 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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SBI Card

SBI Card - Air India SBI Platinum Card

6.8/10
Annual Fee₹1,499
Base Rewards0.4050000000000001%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardSBI Card - Air India SBI Platinum Card
Annual Fee₹10,000₹1,499
Joining Fee₹10,000₹1,499
Fee Waiver SpendN/AN/A
Base Reward Rate3%0.4050000000000001%
Reward CurrencyMaharaja Club PointsMaharaja Points
NetworkVisaVisa
Editor Rating9/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

SBI Card - Air India SBI Platinum Card

  • 0% on Air India Bookings

Pros & Cons

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

SBI Card - Air India SBI Platinum Card

Pros

  • 5,000 Maharaja Points as a welcome bonus upon joining fee payment.
  • Accelerated 5 Reward Points per Rs. 100 spent on Air India tickets (self-booking).
  • Up to 15,000 bonus Maharaja Points annually through milestone spends.
  • 8 complimentary domestic lounge visits per year (capped at 2 per quarter).

Cons

  • Low base reward rate of 2 points per Rs. 100 on non-airline spends.
  • No annual fee waiver regardless of annual spending.
  • International lounge visits are paid even with the provided Priority Pass.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Air India SBI Platinum Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Choose SBI Card - Air India SBI Platinum Card if

Best value for those who frequently book Air India flights and want to earn miles directly.

Frequently Asked Questions

Which is better: Axis Bank Vistara Infinite Credit Card or SBI Card - Air India SBI Platinum Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Air India SBI Platinum Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Vistara Infinite Credit Card and SBI Card - Air India SBI Platinum Card?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, while SBI Card - Air India SBI Platinum Card has an annual fee of ₹1,499.
Which card has better rewards: Axis Bank Vistara Infinite Credit Card or SBI Card - Air India SBI Platinum Card?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. SBI Card - Air India SBI Platinum Card offers 0.4050000000000001% base rewards with bonuses on Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Axis Bank Vistara Infinite Credit Card and SBI Card - Air India SBI Platinum Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Infinite Credit Card and SBI Card - Air India SBI Platinum Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Vistara Infinite Credit Card or SBI Card - Air India SBI Platinum Card?
For beginners, SBI Card - Air India SBI Platinum Card may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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