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Side-by-Side Comparison|Updated March 2026

Tata Star SBI Card vs Axis Bank ACE Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
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Feature-by-Feature Comparison

FeatureTata Star SBI CardAxis Bank ACE Credit Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyReward PointCashback
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Tata Star SBI Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Star SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Star SBI Card and Axis Bank ACE Credit Card?
Tata Star SBI Card has an annual fee of ₹499, while Axis Bank ACE Credit Card has an annual fee of ₹499. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or Axis Bank ACE Credit Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery and Dining. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Tata Star SBI Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Star SBI Card or Axis Bank ACE Credit Card?
For beginners, Tata Star SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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