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Side-by-Side Comparison|Updated April 2026

Fabindia SBI Card SELECT vs Axis Bank Atlas Credit Card

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

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Axis Bank

Axis Bank Atlas Credit Card

8.8/10
Annual Fee₹5,000
Base Rewards2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTAxis Bank Atlas Credit Card
Annual Fee₹1,499₹5,000
Joining Fee₹1,499₹5,000
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%2%
Reward CurrencyReward PointEDGE Miles
NetworkVisaVisa
Editor Rating7.5/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Axis Bank Atlas Credit Card

  • 5% on Direct Airlines — 10000 pts/month
  • 5% on Direct Hotels — 10000 pts/month
  • 5% on Travel EDGE Portal — 10000 pts/month

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Axis Bank Atlas Credit Card

Pros

  • High reward rate of 5 EDGE Miles per ₹100 on direct airline and hotel spends.
  • Flexible 1:2 transfer ratio to major airline and hotel partners like Accor, ITC, and United.
  • Unique tier-based system (Silver, Gold, Platinum) that rewards higher annual spending with more miles and lounge access.
  • Lounge access is sharable with guests, a rare feature in the Indian market.

Cons

  • High foreign currency markup of 3.5% despite being a travel-focused card.
  • Accelerated rewards on travel are capped at ₹2 Lakhs spend per month.
  • Excludes common categories like fuel, rent, insurance, and utilities from reward earning.

Our Verdict

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

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose Axis Bank Atlas Credit Card if

Excellent for those who book directly with airlines and hotels and value flexible point transfers.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Axis Bank Atlas Credit Card?
Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and Axis Bank Atlas Credit Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Axis Bank Atlas Credit Card has an annual fee of ₹5,000. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Axis Bank Atlas Credit Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Axis Bank Atlas Credit Card offers 2% base rewards with bonuses on Direct Airlines and Direct Hotels. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Axis Bank Atlas Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Axis Bank Atlas Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Axis Bank Atlas Credit Card?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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