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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs Axis Bank Kwik Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTAxis Bank Kwik Credit Card
Annual Fee₹1,499Free
Joining Fee₹1,499Free
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%0.04000000000000001%
Reward CurrencyReward PointEDGE Reward Points
NetworkVisaRuPay
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Our Verdict

Both Fabindia SBI Card SELECT and Axis Bank Kwik Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Axis Bank Kwik Credit Card?
Both Fabindia SBI Card SELECT and Axis Bank Kwik Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Fabindia SBI Card SELECT and Axis Bank Kwik Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Axis Bank Kwik Credit Card has no annual fee. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Axis Bank Kwik Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Axis Bank Kwik Credit Card offers 0.04000000000000001% base rewards with bonuses on Scan & Pay via Kiwi. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Axis Bank Kwik Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Axis Bank Kwik Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Axis Bank Kwik Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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