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Side-by-Side Comparison|Updated March 2026

Tata Platinum SBI Card vs Axis Bank Platinum 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 Platinum SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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Feature-by-Feature Comparison

FeatureTata Platinum SBI CardAxis Bank Platinum Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate1%0.6000000000000001%
Reward CurrencyTata Card Reward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating8/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

Pros & Cons

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

Our Verdict

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

Choose Tata Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Frequently Asked Questions

Which is better: Tata Platinum SBI Card or Axis Bank Platinum Credit Card?
Tata Platinum SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Platinum SBI Card and Axis Bank Platinum Credit Card?
Tata Platinum SBI Card has an annual fee of ₹499, while Axis Bank Platinum Credit Card has an annual fee of ₹500. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Platinum SBI Card or Axis Bank Platinum Credit Card?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING and DINING. Axis Bank Platinum Credit Card offers 0.6000000000000001% base rewards with bonuses on International Spends and Birthday Month. The better choice depends on your primary spending categories.
Can I have both Tata Platinum SBI Card and Axis Bank Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Platinum SBI Card and Axis Bank Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Platinum SBI Card or Axis Bank Platinum Credit Card?
For beginners, Tata Platinum 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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