Axis Bank Cashback Credit Card vs SBI Card Tata Select Credit Card: Which is Better in 2026?
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In short: Axis Cashback has the lower annual fee (₹1,000 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | Axis Cashback | SBI Tata Select |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,999 |
| Joining fee | ₹1,000 | Not listed |
| Annual fee waived | On ₹4 lakh annual spend | Not listed |
| Top reward rate | 5% Cashback For Online Spends Between ₹5001 And ₹40000 | Upto 5% Value Back on Spends on Tata Outlets |
| Base rewards | Cashback of 0.75% on Offline Spends | 1 Empower Point on Retail |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, Axis Cashback returns about ₹1,549 more a year after annual fees (₹4,350 vs ₹4,800 in rewards).
| Spend profile | Axis Cashback | SBI Tata Select |
|---|---|---|
| Reward value: top rate / base rate | 5% / 0.75% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹1,800 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,350 | ₹4,800 |
| Annual fee | ₹1,000 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Axis Bank Cashback Credit Card lists a lower headline annual fee in our data (around ₹1,999 apart), before waivers. Sbi Card Tata Select Credit Card shows a stronger headline earn rate in the first reward band we surface. Sbi Card Tata Select Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Axis Bank Cashback Credit Card | Sbi Card Tata Select Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1000 | — |
| Annual / renewal fee | Annual Fee - Rs.1000 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.4 Lakhs For Annual Fee Waiver | — |
| Top reward rate | Earn 5% Cashback For Online Spends Between Rs.5001 And Rs.40000 | Get Upto 5% Value Back on Spends on Tata Outlets |
| Base rate (other spends) | Earn Cashback of 0.75% on Offline Spends | Earn 1 Empower Point on Retail |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefits - 5000 EDGE Reward Points | Welcome Benefits - e- Gift Voucher Worth Rs.3000 |
| Milestone benefit | — | Anniversary Gift - Spends of Rs.2 Lakhs in the Previous Year; Get Rewards on Annual Spending of Rs. 4 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Sbi Card Tata Select Credit Card shows a higher headline earn signal in the reward summaries we index (Get Upto 5% Value Back on Spends on Tata Outlets vs Earn 5% Cashback For Online Spends Between Rs.5001 And Rs.40000). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Sbi Card Tata Select Credit Card has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Axis Bank Cashback Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Axis Bank Cashback Credit Card?
Consider Axis Bank Cashback Credit Card if you already bank with Axis Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Sbi Card Tata Select Credit Card — domestic: 8 Complimentary Airport Lounge Access Per Year; international: —. Axis Bank Cashback Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Axis Bank and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹1,000 vs ₹2,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Axis Bank and SBI Cards websites for the final number.
On the first reward band we surface, Sbi Card Tata Select Credit Card shows a stronger headline earn (Get Upto 5% Value Back on Spends on Tata Outlets vs Earn 5% Cashback For Online Spends Between Rs.5001 And Rs.40000). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Axis Bank Cashback Credit Card: Spend Rs.4 Lakhs For Annual Fee Waiver Sbi Card Tata Select Credit Card: Waiver wording not in our benefit extract — check SBI Cards. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Cashback Credit Card: 3.50% - Foreign Currency Transactions Sbi Card Tata Select Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Axis Bank and SBI Cards websites.
Axis Bank Cashback Credit Card: Welcome Benefits - 5000 EDGE Reward Points Sbi Card Tata Select Credit Card: Welcome Benefits - e- Gift Voucher Worth Rs.3000 Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and SBI Cards websites.