Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT vs Axis Bank Vistara Infinite 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
View Full Details

Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Croma Card SELECTAxis Bank Vistara Infinite Credit Card
Annual Fee₹2,999₹10,000
Joining Fee₹2,999₹10,000
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%3%
Reward CurrencyEmpower PointMaharaja Club Points
NetworkVisaVisa
Editor Rating8.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card SELECT

No accelerated rewards listed

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

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

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: SBI Card - Tata Croma Card SELECT or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Croma 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 Croma Card SELECT and Axis Bank Vistara Infinite Credit Card?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or Axis Bank Vistara Infinite Credit Card?
SBI Card - Tata Croma Card SELECT offers a base reward rate of 1%. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Croma Card SELECT and Axis Bank Vistara Infinite 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 Vistara Infinite 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 Vistara Infinite Credit Card?
For beginners, SBI Card - Tata Croma 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.

Related Comparisons

SBI Card - Tata Croma Card SELECT vs SBI Card PRIMEAxis Bank Vistara Infinite Credit Card vs SBI Card PRIMESBI Card - Tata Croma Card SELECT vs club-vistara-sbi-card-primeAxis Bank Vistara Infinite Credit Card vs club-vistara-sbi-card-prime

Explore More

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