Vyaya
Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card vs Axis Bank Reserve Credit Card

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

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

Axis Bank

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardAxis Bank Reserve Credit Card
Annual Fee₹499₹50,000
Joining Fee₹499₹50,000
Fee Waiver Spend₹1,00,000₹35,00,000
Base Reward Rate0.25%0.2%
Reward CurrencyReward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating7.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

Axis Bank Reserve Credit Card

No accelerated rewards listed

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

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

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: Delhi Metro SBI Card or Axis Bank Reserve Credit Card?
Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Delhi Metro SBI Card and Axis Bank Reserve Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or Axis Bank Reserve Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or Axis Bank Reserve Credit Card?
For beginners, Delhi Metro 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.

Explore More

Delhi Metro SBI Card Full ReviewAxis Bank Reserve Credit Card Full ReviewAll SBI Card CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips