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Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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Feature-by-Feature Comparison

FeaturePaytm SBI CardAxis Bank Titanium Smart Traveler Credit Card
Annual Fee₹499₹100
Joining Fee₹499₹250
Fee Waiver SpendN/A₹50,000
Base Reward Rate1%0.04000000000000001%
Reward CurrencyReward PointsEDGE Reward Points
NetworkRuPayMastercard
Editor Rating7.5/106.2/10
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 Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

Our Verdict

Paytm SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Frequently Asked Questions

Which is better: Paytm SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
Paytm SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card?
Paytm SBI Card has an annual fee of ₹499, while Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100. Axis Bank Titanium Smart Traveler Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Paytm SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. Axis Bank Titanium Smart Traveler Credit Card offers 0.04000000000000001% base rewards with bonuses on International Spends and Domestic Travel (Hotels, Ai.... The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and Axis Bank Titanium Smart Traveler Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and Axis Bank Titanium Smart Traveler Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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