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Comparison · हिन्दी

Axis Rewards vs SBI Cashback

Both cards compared on real rupee returns for best rewards vs cashback credit card India under ₹1000 fee. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
AXIS
REWARDS
ASHOK KUMAR
VS
SBI
CASHBACK
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
SBI Cashback wins decisively, delivering ₹7,401 annual benefit versus Axis Rewards' ₹1,611. The flat cashback caps and online rewards structure align perfectly with this spend profile, making it the clear choice.
Side-by-side comparison
Axis Bank Rewards Credit Card SBI Cashback Credit Card ✓
Annual benefit ₹1,611 ₹7,401
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹2,00,000/year spend) ₹999 + taxes (waived on ₹2L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 EDGE Reward Points per ₹125 on most spends (about 0.32% at ₹0.20 a point); 10X (about 3.2%) on apparel and department stores, on up to ₹7,000 of spend a month; 1,500 bonus points on ₹30,000 spend in a statement cycle 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend) No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Fashion and lifestyle shoppers wanting accelerated rewards with lounge access at a low waivable fee Flat 5% on all online spends up to ₹40,000/month
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹4L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
Axis Bank Rewards Credit Card
Axis Rewards suits fashion-focused shoppers who spend heavily on apparel and department stores monthly. If your shopping mix shifts toward premium lifestyle brands, the 10X rewards unlock significantly better value.
SBI Cashback Credit Card
SBI Cashback excels for this spend profile's online-heavy pattern. The 5% online cashback cap with ₹4,000 monthly ceiling converts routine purchases into tangible returns, especially for digital transactions.
Who should get which card
Get Axis Bank Rewards if you…
· Frequent apparel and department store shoppers
· Those seeking premium airport lounge access
· Spenders targeting ₹2+ lakh annual spend for fee waiver
Get SBI Cashback if you…
· Online-first shoppers maximizing 5% cashback cap
· Those valuing simple, transparent cashback over points
· Balanced spenders seeking reliable, predictable rewards
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
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AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
Axis Bank Rewards Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹2,00,000/year spend). SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend).
Axis Bank Rewards Credit Card offers 2 EDGE Reward Points per ₹125 on most spends (about 0.32% at ₹0.20 a point); 10X (about 3.2%) on apparel and department stores, on up to ₹7,000 of spend a month; 1,500 bonus points on ₹30,000 spend in a statement cycle. SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month.
Axis Bank Rewards Credit Card lounge access: 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend). SBI Cashback Credit Card lounge access: No.
Axis Bank Rewards Credit Card charges 3.5% forex markup. SBI Cashback Credit Card charges 3.5% forex markup.