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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureShaurya SBI CardAxis Bank Titanium Smart Traveler Credit Card
Annual Fee₹250₹100
Joining Fee₹250₹250
Fee Waiver Spend₹50,000₹50,000
Base Reward Rate0.0625%0.04000000000000001%
Reward CurrencyReward PointsEDGE Reward Points
NetworkRuPayMastercard
Editor Rating7.5/106.2/10
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 Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

Our Verdict

Shaurya SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
Shaurya SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Titanium Smart Traveler Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Axis Bank Titanium Smart Traveler Credit Card offers 0.04000000000000001% base rewards with bonuses on International Spends and Domestic Travel (Hotels, Ai.... The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Axis Bank Titanium Smart Traveler Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Axis Bank Titanium Smart Traveler Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Axis Bank Titanium Smart Traveler Credit Card?
For beginners, Axis Bank Titanium Smart Traveler 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.

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