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Side-by-Side Comparison|Updated March 2026

SBI Card MILES ELITE vs Axis Bank Aura Credit Card

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

SBI Card

SBI Card MILES ELITE

8.2/10
Annual Fee₹4,999
Base Rewards1%
NetworkMastercard
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Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card MILES ELITEAxis Bank Aura Credit Card
Annual Fee₹4,999₹749
Joining Fee₹4,999₹749
Fee Waiver Spend₹15,00,000N/A
Base Reward Rate1%0.2%
Reward CurrencyTravel CreditsEDGE Reward Points
NetworkMastercardVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card MILES ELITE

No accelerated rewards listed

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

SBI Card MILES ELITE

Pros

  • High 3% reward rate on travel spends (6 Travel Credits per ₹200).
  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points with major partners.
  • Unique spend-linked domestic lounge access (1 extra visit per ₹1 Lakh spend).
  • Low foreign currency markup of 1.99%, ideal for international travelers.

Cons

  • High annual fee of ₹4,999 with a steep waiver threshold of ₹15 Lakhs.
  • Lounge access is capped per quarter (2 visits), which may be restrictive for frequent flyers.
  • Air Accident insurance coverage was discontinued as of July 2025.

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

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

Choose SBI Card MILES ELITE if

High reward rates on flights and hotels with 1:1 mile conversion across multiple airlines.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: SBI Card MILES ELITE or Axis Bank Aura Credit Card?
SBI Card MILES ELITE edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card MILES ELITE and Axis Bank Aura Credit Card?
SBI Card MILES ELITE has an annual fee of ₹4,999, while Axis Bank Aura Credit Card has an annual fee of ₹749. SBI Card MILES ELITE offers a fee waiver on ₹15,00,000 annual spend.
Which card has better rewards: SBI Card MILES ELITE or Axis Bank Aura Credit Card?
SBI Card MILES ELITE offers a base reward rate of 1%. Axis Bank Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both SBI Card MILES ELITE and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card MILES ELITE and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card MILES ELITE or Axis Bank Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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