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Side-by-Side Comparison|Updated March 2026

SpiceJet Axis Bank Voyage Black Credit Card vs SBI Card PRIME

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

Axis Bank

SpiceJet Axis Bank Voyage Black Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards3%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSpiceJet Axis Bank Voyage Black Credit CardSBI Card PRIME
Annual Fee₹2,000₹2,999
Joining Fee₹2,000₹2,999
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate3%0.125%
Reward CurrencySpiceClub PointsReward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SpiceJet Axis Bank Voyage Black Credit Card

  • 0% on SpiceJet App & Website
  • 0% on Online Food, Bills & Entert...

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

Pros & Cons

SpiceJet Axis Bank Voyage Black Credit Card

Pros

  • High reward rate of up to 14% (28 SC Points per ₹200) on SpiceJet bookings.
  • Generous welcome benefit with a ₹4,000 SpiceJet flight voucher.
  • Complimentary SpiceClub Gold Membership offering priority check-in and free seat selection.
  • Accelerated 6% reward rate on online food, bills, and entertainment.

Cons

  • Rewards are highly restrictive, redeemable only within the SpiceJet ecosystem.
  • Domestic lounge access is spend-linked (₹50,000 in the previous quarter).
  • High forex markup fee of 3.5% makes it poor for international travel.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

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

Choose SpiceJet Axis Bank Voyage Black Credit Card if

Maximum value is derived through SpiceClub Gold benefits and high point accrual on SpiceJet flights.

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: SpiceJet Axis Bank Voyage Black Credit Card or SBI Card PRIME?
SpiceJet Axis Bank Voyage Black Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SpiceJet Axis Bank Voyage Black Credit Card and SBI Card PRIME?
SpiceJet Axis Bank Voyage Black Credit Card has an annual fee of ₹2,000, while SBI Card PRIME has an annual fee of ₹2,999. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SpiceJet Axis Bank Voyage Black Credit Card or SBI Card PRIME?
SpiceJet Axis Bank Voyage Black Credit Card offers a base reward rate of 3% with accelerated rewards on SpiceJet App & Website and Online Food, Bills & Entert.... SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both SpiceJet Axis Bank Voyage Black Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SpiceJet Axis Bank Voyage Black Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: SpiceJet Axis Bank Voyage Black Credit Card or SBI Card PRIME?
For beginners, SpiceJet Axis Bank Voyage Black Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

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