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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card vs Axis Bank Vistara Signature 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
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Axis Bank

Axis Bank Vistara Signature Credit Card

7/10
Annual Fee₹3,000
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardAxis Bank Vistara Signature Credit Card
Annual Fee₹499₹3,000
Joining Fee₹499₹3,000
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.2/107/10
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 Signature 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 Vistara Signature Credit Card

Pros

  • Complimentary Premium Economy ticket voucher on joining and renewal (for renewals before April 18, 2025).
  • Complimentary Club Vistara Silver Membership (transitioning to Maharaja Club) offering priority check-in and extra baggage.
  • High milestone rewards with up to 4 additional Premium Economy tickets on annual spends of ₹9 Lakhs.
  • 3 complimentary rounds of golf at select courses in India.

Cons

  • Rewards are highly specialized for Vistara/Air India and offer low value for non-travel redemptions.
  • Domestic lounge access is now subject to a minimum spend of ₹50,000 in the previous 3 months.
  • Significant devaluation in 2024/2025: Milestone benefits and ticket vouchers discontinued for renewals after April 18, 2025.

Our Verdict

Both Delhi Metro SBI Card and Axis Bank Vistara Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

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 Signature Credit Card if

Ideal for those who prefer Vistara's Premium Economy service and can hit the ₹1.5L to ₹9L spend milestones for free tickets.

Frequently Asked Questions

Which is better: Delhi Metro SBI Card or Axis Bank Vistara Signature Credit Card?
Both Delhi Metro SBI Card and Axis Bank Vistara Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Delhi Metro SBI Card and Axis Bank Vistara Signature Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Axis Bank Vistara Signature Credit Card has an annual fee of ₹3,000. 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 Signature Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. Axis Bank Vistara Signature Credit Card offers 0.5% base rewards. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and Axis Bank Vistara Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Axis Bank Vistara Signature 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 Signature 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.

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