SBI CardCASHBACK SBI Card
People whose eligible spend is primarily online and who can use the cashback caps efficiently.
- Annual fee
- ₹999 + taxes
- Reviewed
- September 11, 2026
- Evidence
- 2 issuer sources
Maintained credit-card comparison
CASHBACK SBI Card vs Airtel Axis Bank Credit Card
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Axis BankAirtel Axis Bank Credit Card
Airtel households that can route eligible telecom and utility bills through Airtel Thanks.
- Annual fee
- ₹500 from the second year on the current Axis Bank product page
- Reviewed
- September 11, 2026
- Evidence
- 3 issuer sources
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
bankingreference.info · Comparison research sheet
CASHBACK SBI Card vs Airtel Axis Bank Credit Card
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/cashback-sbi-card-vs-airtel-axis-bank-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Decision checkpoints
Answer the questions that can actually change the choice.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
CASHBACK SBI Card
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Airtel Axis Bank Credit Card
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.
CASHBACK SBI Card
- Annual fee
- ₹999 + taxes
- Fee waiver
- Renewal fee of ₹999 + applicable taxes is waived on annual spends of ₹2 lakh or more in the preceding year.
Airtel Axis Bank Credit Card
- Annual fee
- ₹500 from the second year on the current Axis Bank product page
- Fee waiver
- Annual fee waived on annual spends above ₹2,00,000; rent and wallet-load transactions are excluded from waiver spend under current terms.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.
CASHBACK SBI Card
- Reward rules
- 5% cashback on eligible online spends; 1% on eligible offline spends
Recorded cautions
- Cashback exclusions include several categories such as utilities, insurance, fuel, rent, wallets, education, jewellery and railways.
- The cashback cap matters for high monthly spenders.
- Approval and credit limit remain issuer decisions.
Airtel Axis Bank Credit Card
- Reward rules
- Reviewed Axis T&Cs document 25% cashback on eligible Airtel bills via Airtel Thanks (capped) and 10% on eligible utility payments via Airtel Thanks (capped)
Recorded cautions
- Cashback depends on channel and category eligibility, and statement-cycle caps materially limit headline percentages.
- The lounge spend test looks back over the previous three calendar months after the initial new-card waiver window.
- Rent and wallet-load transactions do not count toward the current annual-fee waiver threshold.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.
CASHBACK SBI Card
- Lounge conditions
- No core lounge benefit highlighted on the reviewed product page
- Forex costs
- 3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions.
- Eligibility
- Subject to SBI Card approval and current underwriting policy
Airtel Axis Bank Credit Card
- Lounge conditions
- 4 complimentary domestic airport lounge visits per year under Axis Bank lounge terms, subject to ₹50,000 eligible spend in the previous 3 calendar months after the new-card waiver period.
- Forex costs
- 3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published for INR-denominated international/overseas-registered-merchant transactions.
- Eligibility
- Subject to Axis Bank approval
Shared research themes
Put the controlling card fields next to each other.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | CASHBACK SBI Card | Airtel Axis Bank Credit Card |
|---|---|---|
| Joining fee | ₹999 + taxes | ₹500 on the current Axis Bank product page |
| Annual fee | ₹999 + taxes | ₹500 from the second year on the current Axis Bank product page |
| Fee waiver | Renewal fee of ₹999 + applicable taxes is waived on annual spends of ₹2 lakh or more in the preceding year. | Annual fee waived on annual spends above ₹2,00,000; rent and wallet-load transactions are excluded from waiver spend under current terms. |
| Rewards | 5% cashback on eligible online spends; 1% on eligible offline spends | Reviewed Axis T&Cs document 25% cashback on eligible Airtel bills via Airtel Thanks (capped) and 10% on eligible utility payments via Airtel Thanks (capped) |
| Lounge | No core lounge benefit highlighted on the reviewed product page | 4 complimentary domestic airport lounge visits per year under Axis Bank lounge terms, subject to ₹50,000 eligible spend in the previous 3 calendar months after the new-card waiver period. |
| Forex markup | 3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions. | 3.50% foreign-currency transaction fee on the current product page; DCC markup is separately published for INR-denominated international/overseas-registered-merchant transactions. |
| Network | Visa / Mastercard (variant-dependent) | Axis Bank network variant as issued; the current product page does not state one mandatory network for every applicant. |
| Eligibility / approval | Subject to SBI Card approval and current underwriting policy | Subject to Axis Bank approval |
Know what can make either card unsuitable.
These cautions remain attached to the underlying card records instead of being converted into a score.
CASHBACK SBI Card
- Cashback exclusions include several categories such as utilities, insurance, fuel, rent, wallets, education, jewellery and railways.
- The cashback cap matters for high monthly spenders.
- Approval and credit limit remain issuer decisions.
Airtel Axis Bank Credit Card
- Cashback depends on channel and category eligibility, and statement-cycle caps materially limit headline percentages.
- The lounge spend test looks back over the previous three calendar months after the initial new-card waiver window.
- Rent and wallet-load transactions do not count toward the current annual-fee waiver threshold.
Decision tools
Model the parts of the comparison that depend on your own usage.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Verify both cards from their own issuer evidence.
Each side keeps its own review date, source set and evidence state.
CASHBACK SBI Card
Issuer product pageMITC / controlling terms
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Airtel Axis Bank Credit Card
Issuer product pageTerms & conditionsMITC / controlling terms
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗First-party source appendix
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
CASHBACK SBI Card
Reviewed September 11, 2026 · 2 attached first-party sources
- Issuer product pagehttps://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html
- MITC / controlling termshttps://www.sbicard.com/en/most-important-terms-and-conditions.page
Airtel Axis Bank Credit Card
Reviewed September 11, 2026 · 3 attached first-party sources
- Issuer product pagehttps://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card
- Terms & conditionshttps://www.axisbank.com/docs/default-source/default-document-library/credit-cards/axis-bank-airtel-terms-and-conditions.pdf
- MITC / controlling termshttps://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf?sfvrsn=aba4dce4_9