Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs SBI Card PRIME
Honest side-by-side comparison of Axis Bank Reserve Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Reserve Credit Card
Axis Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | Axis Bank Reserve Credit Card Axis Bank | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/yr | -₹2,339/yr |
| Travel | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 15 EDGE Reward Points/₹200 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/axis-reserve-vs-sbi-primeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card PRIME leads Axis Bank Reserve Credit Card by about ₹52,521/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
| Feature | Axis Bank Reserve Credit Card Axis Bank | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/yr | -₹2,339/yr |
| Travel | — | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 15 EDGE Reward Points/₹200 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card PRIME has the lowest annual fee at ₹2,999.
- Which card earns more on moderate spend?
- SBI Card PRIME leads with an estimated -₹2,339/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card PRIME lists a minimum monthly income of ₹45,000.
- 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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