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Side-by-Side Comparison|Updated March 2026

Tata Star SBI Card 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
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

FeatureTata Star SBI CardAxis Bank Select Credit Card
Annual Fee₹499₹3,000
Joining Fee₹499₹3,000
Fee Waiver Spend₹1,00,000₹8,00,000
Base Reward Rate1%0.2%
Reward CurrencyReward PointEDGE Reward Points
NetworkVisaVisa
Editor Rating7.8/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

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

Axis Bank Select Credit Card

  • 0% on Retail Shopping

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 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

Tata Star SBI Card 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 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 Select Credit Card if

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

Frequently Asked Questions

Which is better: Tata Star SBI Card or Axis Bank Select Credit Card?
Tata Star SBI Card 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 Tata Star SBI Card and Axis Bank Select Credit Card?
Tata Star SBI Card has an annual fee of ₹499, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or Axis Bank Select Credit Card?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery and Dining. 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 Tata Star SBI Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and Axis Bank Select 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 Select 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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