Vyaya
Side-by-Side Comparison|Updated March 2026

Paytm SBI Card vs Axis Bank Vistara 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
View Full Details

Axis Bank

Axis Bank Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePaytm SBI CardAxis Bank Vistara Credit Card
Annual Fee₹499₹1,500
Joining Fee₹499₹1,500
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.8%
Reward CurrencyReward PointsMaharaja Points
NetworkRuPayVisa
Editor Rating7.5/106.5/10
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 Vistara Credit Card

No accelerated rewards listed

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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

Our Verdict

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

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

Frequently Asked Questions

Which is better: Paytm SBI Card or Axis Bank Vistara Credit Card?
Paytm SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara 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 Vistara Credit Card?
Paytm SBI Card has an annual fee of ₹499, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500.
Which card has better rewards: Paytm SBI Card or Axis Bank Vistara Credit Card?
Paytm SBI Card offers a base reward rate of 1% with accelerated rewards on Paytm Mall and Paytm Travel. Axis Bank Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both Paytm SBI Card and Axis Bank Vistara Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm SBI Card and Axis Bank Vistara Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm SBI Card or Axis Bank Vistara 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.

Related Comparisons

Paytm SBI Card vs Paytm HDFC Bank Credit CardAxis Bank Vistara Credit Card vs Paytm HDFC Bank Credit CardPaytm SBI Card vs Axis Bank ACE Credit CardAxis Bank Vistara Credit Card vs Axis Bank ACE Credit CardPaytm SBI Card vs Axis Bank - Flipkart Axis Bank Credit CardAxis Bank Vistara Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardPaytm SBI Card vs Axis Bank Vistara Signature Credit CardAxis Bank Vistara Credit Card vs Axis Bank Vistara Signature Credit Card

Explore More

Paytm SBI Card Full ReviewAxis Bank Vistara Credit Card Full ReviewAll SBI Card CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips