Airtel Axis Bank Credit Card vs SBI Cashback Credit Card

Airtel Axis Bank Credit Card vs SBI Cashback Credit Card

Last Updated : Feb. 25, 2025, 5:43 p.m.

The Airtel Axis Bank Credit Card is a card that helps you convert your spendings into earnings. It offers ample cashback.It provides you a huge cashback of up to 25% on utility bill payments like Wi-Fi, DTH, etc. Further, you will be able to earn a good amount of cashback on utility bill payments such as gas, electricity, etc., food and grocery delivery brands like Swiggy, Zomato, and BigBasket, and other expenses. The Cashback SBI Card gives you a valueback on every spend. This card is best suited for those frequent online shoppers, whether it be for lifestyle, food, groceries, entertainment, or travel. This card offers accelerated savings on all online purchases irrespective of the brand or platform restrictions. Let us now compare the features, benefits, and fees of both the credit cards. After you understand the features of each of these credit cards, you can opt to apply for it. Also, whether you satisfy the eligibility criteria such as minimum income, credit score , age, citizenship, etc.

Comparison of Airtel Axis Bank Credit Card vs Cashback SBI Card

ParameterAirtel Axis Bank Credit CardSBI Cashback Credit Card

Welcome benefit

  • Get an Amazon e-voucher worth Rs. 500 on the first transaction done within 30 days of card issuance.
  • Get an Amazon gift voucher worth Rs. 500

Cashback

  • Get a cashback of 25% on Wi-Fi,Airtel postpaid bills, DTH, and more.
  • Get a cashback of 10% on utility bill payments such as electricity, gas, etc.
  • Get a cashback of 10% on spends via Swiggy, Zomato, and BigBasket.
  • Get a cashback of 1% on all other spends.
  • Get a cashback of 5% on online spends without any merchant restrictions.
  • Get a cashback of 1% on offline spends.
  • The card’s cashback will be auto credited to your SBI Card account within two working days of your next statement generation.

Annual fee waiver

  • Get an annual fee waiver on spends more than Rs. 2,00,000
  • The reversal of renewal fee will occur on annual spends of Rs. 2 lakhs

Fuel Surcharge waiver

  • Get a fuel surcharge waiver of 1% on transactions between Rs. 400 to Rs. 4000
  • 1% fuel surcharge waiver across all petrol pumps in India on transactions between Rs. 500 and Rs. 3000.

Airport lounge access

  • Get 4 domestic complimentary lounge visits on minimum spends of Rs. 50,000 in the previous 3 months.
  • No international airport lounge access
  • No complimentary airport lounge access.

Other benefits

  • Up to 15% off on partner restaurants via EazyDiner.
  • Transactions of Rs. 2500 or over can be converted into easy EMIs.
  • Wednesday offers:
  1. Get instant savings of up to 15% on flights and hotels via Goibibo and Makemytrip.
  2. Get 10% off on orders via Swiggy and Amazon Fresh.
  3. Get 10% off up to Rs.1000 on Tira.
  • The card can be used in more than 24 million outlets across the globe, including 3,25,000 outlets in India.
  • Use the card to make payments at any outlet that accepts Visa.
  • Withdraw cash from more than 1 million Visa outlets across the globe.
  • Pay electricity, telephone, mobile, and other utility bills using Easy Bill Pay.
  • Save money while paying credit card dues.
  • Easy balance transfer from other banks’ credit cards to Cashback SBI cards. Avail a lower interest rate and payback in EMIs.

Which Card to Choose?

The card which you would choose depends on your lifestyle and spending patterns. You can go in for the Airtel Axis Bank credit card if you use your credit card to pay your utility bills. You can save well on the utility bills category. This card is also a good go to option for those who do most of their grocery shopping and food ordering online, since it offers benefits on reputed daily brands like Zomato, Swiggy, and BigBasket. If you are a frequent online shopper, the Cashback SBI card is the best option to save on this category. It offers one of the highest cashback rates on online shopping. It does not have any platform or brand restrictions thus enabling cardholders to make maximum savings in this area.

Frequently Asked Questions (FAQs)

Which is better for personal loans? SBI or Axis?

How much cashback will I get on fuel purchases via Cashback SBI card?

What are the annual finance charges on the Airtel Axis Bank credit card?

Is the Airtel Axis Bank credit card lifetime free?

Can I withdraw money from the Airtel Axis Bank credit card?

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