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Axis Bank Neo Credit Card vs SBI Card PRIME

Honest side-by-side comparison of Axis Bank Neo Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank Neo Credit Card

Axis Bank

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
Axis Bank Neo Credit Card

Axis Bank Neo Credit Card

Axis Bank

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual feeLifetime free₹2,999
Fee waiver thresholdLifetime free₹5,00,000/yr
Min income₹15,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr-₹2,339/yr
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate10% off5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsEarns: Per Neo reward structure on eligible spends · cap Issuer caps applyNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank Neo Credit Card details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Neo Credit Card leads SBI Card PRIME by about ₹3,359/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank Neo Credit Card vs SBI Card PRIME comparison table
FeatureAxis Bank Neo Credit Card

Axis Bank

SBI Card PRIME

SBI Card

Fees & eligibility
Annual feeLifetime free₹2,999
Fee waiver thresholdLifetime free₹5,00,000/yr
Min income₹15,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr-₹2,339/yr
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate10% off5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsEarns: Per Neo reward structure on eligible spends · cap Issuer caps applyNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Frequently asked questions

Which card has the lower annual fee?
Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Axis Bank Neo Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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