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Side-by-Side Comparison|Updated March 2026

Lifestyle Home Centre Max SBI Card vs Axis Bank Select Credit Card

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

SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureLifestyle Home Centre Max SBI CardAxis Bank Select Credit Card
Annual Fee₹499₹3,000
Joining Fee₹499₹3,000
Fee Waiver SpendN/A₹8,00,000
Base Reward Rate0.25%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating6/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: Lifestyle Home Centre Max SBI Card or Axis Bank Select Credit Card?
Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Lifestyle Home Centre Max SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Lifestyle Home Centre Max SBI Card and Axis Bank Select Credit Card?
Lifestyle Home Centre Max SBI Card has an annual fee of ₹499, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Lifestyle Home Centre Max SBI Card or Axis Bank Select Credit Card?
Lifestyle Home Centre Max SBI Card offers a base reward rate of 0.25% with accelerated rewards on Landmark Stores - SHOPPING and DINING. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both Lifestyle Home Centre Max SBI Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Lifestyle Home Centre Max SBI Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Lifestyle Home Centre Max SBI Card or Axis Bank Select Credit Card?
For beginners, Lifestyle Home Centre Max 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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