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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT vs Axis Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTAxis Bank Select Credit Card
Annual Fee₹2,999₹3,000
Joining Fee₹2,999₹3,000
Fee Waiver SpendN/A₹8,00,000
Base Reward Rate1%0.2%
Reward CurrencyEmpower PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.8/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

No accelerated rewards listed

Axis Bank Select Credit Card

  • 0% on Retail Shopping

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 Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

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

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: SBI Card - Tata Card SELECT or Axis Bank Select Credit Card?
SBI Card - Tata Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select 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 Select Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Card SELECT or Axis Bank Select Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Card SELECT and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Axis Bank Select 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 Select Credit Card?
For beginners, SBI Card - Tata Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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