Vyaya
Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card vs Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardAxis Bank Vistara Infinite Credit Card
Annual Fee₹499₹10,000
Joining Fee₹499₹10,000
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%3%
Reward CurrencyReward PointsMaharaja Club Points
NetworkVisaVisa
Editor Rating7.2/109/10
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 Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: Delhi Metro SBI Card or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or Axis Bank Vistara Infinite Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Axis Bank Vistara Infinite 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 Vistara Infinite 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.

Related Comparisons

Delhi Metro SBI Card vs club-vistara-sbi-card-primeAxis Bank Vistara Infinite Credit Card vs club-vistara-sbi-card-prime

Explore More

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