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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Axis Bank Easy Gold Credit Card

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

SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureShaurya SBI CardAxis Bank Easy Gold Credit Card
Annual Fee₹250₹100
Joining Fee₹250Free
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.0625%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkRuPayVisa
Editor Rating7.5/105.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Our Verdict

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

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Axis Bank Easy Gold Credit Card?
Shaurya SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and Axis Bank Easy Gold Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while Axis Bank Easy Gold Credit Card has an annual fee of ₹100. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Axis Bank Easy Gold Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Axis Bank Easy Gold Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Axis Bank Easy Gold Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Axis Bank Easy Gold Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Axis Bank Easy Gold Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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