Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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 - Tata Card SELECT

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

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTAxis Bank Aura Credit Card
Annual Fee₹2,999₹749
Joining Fee₹2,999₹749
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.2%
Reward CurrencyEmpower PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

No accelerated rewards listed

Axis Bank Aura Credit Card

  • 0% on Insurance

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 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 - Tata Card SELECT 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 - Tata Card SELECT if

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

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 - Tata Card SELECT or Axis Bank Aura Credit Card?
SBI Card - Tata Card SELECT 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 - Tata Card SELECT and Axis Bank Aura Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Axis Bank Aura Credit Card has an annual fee of ₹749.
Which card has better rewards: SBI Card - Tata Card SELECT or Axis Bank Aura Credit Card?
SBI Card - Tata Card SELECT 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 - Tata Card SELECT and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Axis Bank Aura 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 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.

Related Comparisons

SBI Card - Tata Card SELECT vs SBI Card PRIMEAxis Bank Aura Credit Card vs SBI Card PRIMESBI Card - Tata Card SELECT vs ICICI Bank Rubyx Credit CardAxis Bank Aura Credit Card vs ICICI Bank Rubyx Credit Card

Explore More

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