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Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara Infinite Credit Card vs SBI Card AURUM

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 AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardSBI Card AURUM
Annual Fee₹10,000₹9,999
Joining Fee₹10,000₹9,999
Fee Waiver SpendN/A₹12,00,000
Base Reward Rate3%1%
Reward CurrencyMaharaja Club PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating9/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

SBI Card AURUM

No accelerated rewards listed

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 AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card AURUM 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 AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Axis Bank Vistara Infinite Credit Card or SBI Card AURUM?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card AURUM 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 AURUM?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, while SBI Card AURUM has an annual fee of ₹9,999. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Axis Bank Vistara Infinite Credit Card or SBI Card AURUM?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Vistara Infinite Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Infinite Credit Card and SBI Card AURUM 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 AURUM?
For beginners, SBI Card AURUM may be more approachable with a lower annual fee of ₹9,999. However, evaluate based on your expected spending pattern rather than fee alone.

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