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Comparison · हिन्दी

BOBCARD Premier vs Axis Rewards

Both cards compared on real rupee returns for best entry level travel lifestyle credit card India BOB vs Axis. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
BOBCARD
BOBCARD PREMIE
ASHOK KUMAR
VS
AXIS
REWARDS
ASHOK KUMAR
Our verdict
BOBCARD Premier Credit Card wins for most people
BOBCARD Premier wins with ₹1,520 annual benefit versus Axis Rewards' ₹920, delivering 65% more value. Its higher rewards on your travel and dining spend combined with a waivable fee makes it the superior choice for this profile.
Side-by-side comparison
BOBCARD Premier Credit Card ✓ Axis Bank Rewards Credit Card
Annual benefit ₹1,520 ₹920
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend) ₹1,000 + taxes (waived on ₹2,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%) 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
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (spend-based from Jan 2025) 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend)
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 Entry-level travel and dining card with lounge access at minimal annual fee Fashion and lifestyle shoppers wanting accelerated rewards with lounge access at a low waivable fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹25,000/month (salaried)
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
BOBCARD Premier Credit Card
BOBCARD Premier excels when you prioritize travel and dining rewards. Its 2.5% return on these categories aligns perfectly with your ₹7,000 monthly spend here, easily covering the annual fee through higher point accumulation.
Axis Bank Rewards Credit Card
Axis Rewards suits fashion-forward shoppers who max out the 10X apparel category monthly. However, with limited apparel spend in your profile, it underperforms despite bonus points on higher spending thresholds.
Who should get which card
Get BOBCARD Premier if you…
· Maximize 2.5% rewards on your ₹7,000 combined travel and dining monthly spend
· Waive ₹1,000 annual fee with ₹120,000 yearly spend (easily achievable)
· Better value for entry-level travel card seekers with lounge access
Get Axis Bank Rewards if you…
· Frequent apparel and department store shoppers seeking 10X accelerated rewards
· Willing to spend ₹2,00,000 annually to waive the ₹1,000 fee
· Prefer bonus point structure with ₹30,000 spending milestone triggers
Partner offer
Axis ACE Credit Card
Utility bill payments and everyday flat cashback
Apply now →
AXIS
ASHOK KUMAR

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BOBCARD Etihad Guest Premium vs BOBCARD Premier →Axis Bank Rewards vs SBI Cashback →BOBCARD Eterna vs BOBCARD Premier →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, BOBCARD Premier Credit Card offers better annual returns for most spend profiles.
BOBCARD Premier Credit Card has an annual fee of ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend). Axis Bank Rewards Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹2,00,000/year spend).
BOBCARD Premier Credit Card offers 10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%). 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.
BOBCARD Premier Credit Card lounge access: 1 domestic visit/quarter (spend-based from Jan 2025). Axis Bank Rewards Credit Card lounge access: 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend).
BOBCARD Premier Credit Card charges 3.5% forex markup. Axis Bank Rewards Credit Card charges 3.5% forex markup.