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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureShaurya SBI CardAxis Bank Kwik Credit Card
Annual Fee₹250Free
Joining Fee₹250Free
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.0625%0.04000000000000001%
Reward CurrencyReward PointsEDGE Reward Points
NetworkRuPayRuPay
Editor Rating7.5/107.2/10
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 Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

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 Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Our Verdict

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

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Axis Bank Kwik Credit Card?
Both Shaurya SBI Card and Axis Bank Kwik 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 Shaurya SBI Card and Axis Bank Kwik Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while Axis Bank Kwik Credit Card has no annual fee. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Axis Bank Kwik Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Axis Bank Kwik Credit Card offers 0.04000000000000001% base rewards with bonuses on Scan & Pay via Kiwi. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Axis Bank Kwik Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Axis Bank Kwik Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Axis Bank Kwik Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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