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Side-by-Side Comparison|Updated March 2026

Tata Star SBI Card vs Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureTata Star SBI CardAxis Bank Kwik Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%0.04000000000000001%
Reward CurrencyReward PointEDGE Reward Points
NetworkVisaRuPay
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

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

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

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 Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Our Verdict

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

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Frequently Asked Questions

Which is better: Tata Star SBI Card or Axis Bank Kwik Credit Card?
Tata Star SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit 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 Kwik Credit Card?
Tata Star SBI Card has an annual fee of ₹499, while Axis Bank Kwik Credit Card has no annual fee. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or Axis Bank Kwik Credit Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery and Dining. Axis Bank Kwik Credit Card offers 0.04000000000000001% base rewards with bonuses on Scan & Pay via Kiwi. The better choice depends on your primary spending categories.
Can I have both Tata Star SBI Card and Axis Bank Kwik Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and Axis Bank Kwik 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 Kwik Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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