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Side-by-Side Comparison|Updated March 2026

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

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTAxis Bank Platinum Credit Card
Annual Fee₹2,999₹500
Joining Fee₹2,999₹500
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%0.6000000000000001%
Reward CurrencyEmpower PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating7.8/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

No accelerated rewards listed

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

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 Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

Our Verdict

SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum 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 Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Frequently Asked Questions

Which is better: SBI Card - Tata Card SELECT or Axis Bank Platinum Credit Card?
SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum 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 Platinum Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Axis Bank Platinum Credit Card has an annual fee of ₹500. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Card SELECT or Axis Bank Platinum Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. Axis Bank Platinum Credit Card offers 0.6000000000000001% base rewards with bonuses on International Spends and Birthday Month. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Card SELECT and Axis Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Axis Bank Platinum 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 Platinum Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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