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Credit CardsComparisons

Axis Bank Cashback Credit Card vs SBI Cashback Credit Card

A head-to-head comparison of Axis Bank Cashback Credit Card and SBI Cashback Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A

Axis Bank Cashback Credit Card

Heavy Online Spenders

Annual Fee
₹1,000
Reward Rate
Up to 7% Tiered
Apply Now Read full review →
CashbackCard B
Annual Fee
₹999
Reward Rate
5% Flat Cashback
Apply Now Read full review →

Feature comparison

FeatureAxis BankSBI Cashback
Annual Fee₹1,000 (Waived on ₹4L spend)₹999 (Waived on ₹2L spend)
Reward RateUp to 7% Tiered5% Flat Cashback
Best ForHeavy Online SpendersOnline Shopping
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankSBI Cashback
Online shopping

Quick verdict

Choose Axis Bank Cashback Credit Card if:

    Choose SBI Cashback Credit Card if:

    • Lower annual fee (₹999 vs ₹1,000)

    Full pros & cons

    Axis Bank Cashback Credit Card

    What's good
    • Up to 7% cashback on high-volume online spends
    • Base 0.75% cashback on offline and travel spends
    • 0.5% cashback on utility bill payments
    Watch out for
    • Very high ₹4L spend requirement for annual fee waiver
    • Complex tiered structure (requires spending ₹40K+ to unlock 7%)
    • No lounge access
    Apply Now

    SBI Cashback Credit Card

    What's good
    • Direct statement credit — no point conversion needed
    • Works across Amazon, Flipkart, Swiggy, and 100+ online merchants
    • 1% cashback on offline POS spends (capped at ₹2,000/month)
    Watch out for
    • 5% online cashback capped at ₹2,000/cycle; total cap across categories: ₹4,000/cycle (reduced from ₹5,000 in April 2026)
    • Government, rent, wallet load, utility, toll, and digital gaming payments excluded
    • No airport lounge access
    Apply Now
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