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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT vs Axis Bank Pride 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 Croma Card SELECT

8.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Croma Card SELECTAxis Bank Pride Platinum Credit Card
Annual Fee₹2,999₹250
Joining Fee₹2,999Free
Fee Waiver Spend₹3,00,000₹20,000
Base Reward Rate1%0.4%
Reward CurrencyEmpower PointeDGE Reward Points
NetworkVisaVisa
Editor Rating8.2/106/10
Forex Markup3.5%3.5%

Pros & Cons

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

Axis Bank Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

Our Verdict

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

Choose SBI Card - Tata Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

Choose Axis Bank Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

Frequently Asked Questions

Which is better: SBI Card - Tata Croma Card SELECT or Axis Bank Pride Platinum Credit Card?
SBI Card - Tata Croma Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Pride 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 Croma Card SELECT and Axis Bank Pride Platinum Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while Axis Bank Pride Platinum Credit Card has an annual fee of ₹250. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or Axis Bank Pride Platinum Credit Card?
SBI Card - Tata Croma Card SELECT offers a base reward rate of 1%. Axis Bank Pride Platinum Credit Card offers 0.4% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Croma Card SELECT and Axis Bank Pride Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card SELECT and Axis Bank Pride Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Croma Card SELECT or Axis Bank Pride Platinum Credit Card?
For beginners, Axis Bank Pride Platinum Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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