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Side-by-Side Comparison|Updated April 2026

Axis Bank Infinite Credit Card vs SBI Card ELITE

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Infinite Credit Card

8/10
Annual FeeFree
Base Rewards0.2%
NetworkVisa
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SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Infinite Credit CardSBI Card ELITE
Annual FeeFree₹4,999
Joining FeeFree₹4,999
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.2%0.5%
Reward CurrencyEdge Reward PointsSBI Reward Points
NetworkVisaVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Infinite Credit Card

No accelerated rewards listed

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

Pros & Cons

Axis Bank Infinite Credit Card

Pros

  • Zero joining and annual fees for eligible HNI customers
  • 1.5% base reward rate (15 Edge Points per ₹200) on all eligible spends
  • Complimentary domestic and international airport lounge access
  • Waiver of reward redemption fees for this specific variant

Cons

  • Extremely high interest rate of 55.55% p.a. on revolving credit
  • Invite-only availability restricted to premium banking segments
  • Reward points value is lower (₹0.20) compared to other super-premium cards

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card ELITE could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Infinite Credit Card if

Ideal for those who want a zero-fee card with premium Visa Infinite tier benefits and lounge access.

Choose SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: Axis Bank Infinite Credit Card or SBI Card ELITE?
Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card ELITE could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Infinite Credit Card and SBI Card ELITE?
Axis Bank Infinite Credit Card has no annual fee, while SBI Card ELITE has an annual fee of ₹4,999. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Infinite Credit Card or SBI Card ELITE?
Axis Bank Infinite Credit Card offers a base reward rate of 0.2%. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Axis Bank Infinite Credit Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Infinite Credit Card and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Infinite Credit Card or SBI Card ELITE?
For beginners, Axis Bank Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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