3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
Annual fee
₹5,000
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
Visa · slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Axis Bank
Annual Fee
₹5,000
Reward Rate
5 EDGE miles per ₹100 on travel; 2 elsewhere
Welcome Benefit
5,000 EDGE Miles on first txn within 30 days
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
slice (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
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Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | Axis Atlas Credit CardMastercard · Axis Bank | SBI Card ELITEVisa · SBI Card | slice Credit CardVisa · slice (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | SBI Card | slice (SBM Bank) |
Card | |||
Annual fee | ₹5,000 | ₹4,999 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹4,999 | ₹0Best |
Reward rate | 5 EDGE miles per ₹100 on travel; 2 elsewhere | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best | 2X rewards on online spends |
Welcome benefit | 5,000 EDGE Miles on first txn within 30 days | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | travel, miles | premium, lounge-access, dining, forex, milestone | online-shopping, lifetime-free |
Apply |
Axis Bank
5 EDGE Miles per ₹100 on travel via SmartHub; 2 elsewhere — 8+8 lounge visits per year
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
slice (SBM Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Related Guides
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