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Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs Axis Bank Platinum Credit Card

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

SBI Card

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm SBI CardAxis Bank Platinum Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%0.6000000000000001%
Reward CurrencyReward PointsEDGE REWARD Points
NetworkRuPayVisa
Editor Rating7.5/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

Pros & Cons

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

Our Verdict

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

Choose Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Frequently Asked Questions

Which is better: Paytm SBI Card or Axis Bank Platinum Credit Card?
Paytm SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Paytm SBI Card and Axis Bank Platinum Credit Card?
Paytm SBI Card has an annual fee of ₹499, while Axis Bank Platinum Credit Card has an annual fee of ₹500. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Paytm SBI Card or Axis Bank Platinum Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. Axis Bank Platinum Credit Card offers 0.6000000000000001% base rewards with bonuses on International Spends and Birthday Month. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and Axis Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and Axis Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or Axis Bank Platinum Credit Card?
For beginners, Paytm 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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