Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT vs Axis Bank ACE 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 - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
View Full Details

Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTAxis Bank ACE Credit Card
Annual Fee₹2,999₹499
Joining Fee₹2,999₹499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate1%1%
Reward CurrencyEmpower PointsCashback
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: SBI Card - Tata Card SELECT or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Card SELECT and Axis Bank ACE Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Card SELECT or Axis Bank ACE Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Card SELECT and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Card SELECT or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

SBI Card - Tata Card SELECT vs SBI Card PRIMEAxis Bank ACE Credit Card vs SBI Card PRIMESBI Card - Tata Card SELECT vs ICICI Bank Rubyx Credit CardAxis Bank ACE Credit Card vs ICICI Bank Rubyx Credit CardSBI Card - Tata Card SELECT vs Axis Bank - Flipkart Axis Bank Credit CardAxis Bank ACE Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardSBI Card - Tata Card SELECT vs Amazon Pay ICICI Bank Credit CardAxis Bank ACE Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

SBI Card - Tata Card SELECT Full ReviewAxis Bank ACE Credit Card Full ReviewAll SBI Card CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips