Choosing the right credit card can make a big difference in how much you save each month. If you’re looking for a card that offers good cashback and value for everyday spending, the Airtel Axis Credit Card and the SBI Cashback Credit Card are two popular options worth considering. Both cards are designed for users who want to maximise savings, but they work differently when it comes to cashback earning categories, annual fees, and added lifestyle benefits. While the Airtel Axis Card is made for Airtel users and offers high cashback on select categories, the SBI Cashback Card provides a flat cashback rate on most online spends. In this comparison, we’ll take a closer look at the fee structure, cashback features, and lifestyle perks of both cards to help you decide which one might suit you better.
Fee Structure and Joining Benefits
The Airtel Axis Card is priced at ₹500 + GST and includes a welcome voucher, whereas the Cashback SBI Card charges ₹999 with no joining benefits. Both offer annual fee waivers on spends of ₹2 lakh or more.
| Particulars | Airtel Axis | Cashback SBI |
| Annual Fee | ₹500 + GST | ₹999 + GST |
| Joining Benefits | Amazon Voucher Worth ₹500 | N/A |
| Spend-Based Annual Fee Waiver | Annual Fee Waived on Spending ₹2 Lakh or More in a Year | Annual Fee Waived on Spending ₹2 Lakh or More in a Year |
Cashback– Earning and Redemption
While the Airtel Axis Card offers high cashback on Airtel payments and select merchants, the SBI Cashback Card provides a flat 5% on most online transactions. Both credit the cashback against your statement balance.
| Particulars | Airtel Axis | Cashback SBI |
| Earning Cashback | Active Airtel Recharges (DTH, Broadband, Mobile, and WiFi) via Airtel Thanks App – 25% CashbackUtility Bill Payments via Airtel Thanks App – 10% CashbackPreferred Partner Brands – 10% CashbackOther Retail Spends + UPI Spends with the RuPay Variant – 1% | Online Spends – 5% CashbackOffline Spends – 1% Cashback |
| Cashback Redemption | Cashback will be Credited Against the Statement Balance | Cashback is Auto-Credited Against the Statement Balance |
Other Lifestyle Perks
The Airtel Axis Card offers domestic lounge access on meeting quarterly spend criteria, whereas the Cashback SBI Card does not include any additional lifestyle perks.
| Particulars | Airtel Axis | Cashback SBI |
| Domestic Lounge Access | One Free Visit Each Quarter on Spends of ₹50,000+ in the Previous Quarter | N/A |
Bottom Line
When comparing the Airtel Axis Credit Card and the SBI Cashback Credit Card from a general perspective, the decision largely depends on the cashback earning categories and overall value. The Airtel Axis Card offers better cashback benefits on Airtel bill payments, utility transactions via the Airtel Thanks app, and popular food and grocery delivery platforms. It also includes value-added perks like domestic lounge access. In contrast, the SBI Cashback Credit Card offers 5% cashback on most online transactions, making it ideal for users who spend largely on online platforms.
For well-rounded benefits, many users may even find it beneficial to hold both cards and use them strategically based on spending categories. However, if either one of the two has to be chosen, Airtel Axis offers better cashback on bill payments and partner merchants. Click “Apply Now” below to get started on your Airtel Axis Credit Card application today!