Axis Bank Fibe RuPay Credit Card vs Shaurya SBI RuPay Platinum Credit Card: Which is Better in 2026?
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In short: Axis Fibe has the lower annual fee (none vs ₹250); both charge a 3.5% forex markup.
| Key facts | Axis Fibe | Shaurya SBI |
|---|---|---|
| Annual fee | None | ₹250 |
| Joining fee | None | Not listed |
| Annual fee waived | Not listed | On ₹50,000 annual spend |
| Lounge access | 1 airport lounge visit a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Fibe Rupay Credit Card and the Shaurya SBI Rupay Platinum Credit Card both operate on the Rupay network but cater to different user preferences. Axis Bank Fibe offers no joining or renewal fees and focuses on cashback rewards, while Shaurya SBI has a modest annual fee with a waiver option and emphasizes reward points with a welcome bonus. Both cards charge a 3.5% forex markup and provide a 1% fuel surcharge waiver, but their lounge access and reward structures differ.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Fibe Rupay Credit Card | Shaurya Sbi Rupay Platinum Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee - Nil | — |
| Annual / renewal fee | Annual Fee - Nil | Annual Fees - Rs.250 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 1 Reward Point Per Rs.100 |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Welcome benefit | — | Get 1000 Reward Points as Welcome Gift |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the Shaurya SBI Rupay Platinum Credit Card offers a more structured and potentially valuable program. It provides 1 reward point per Rs.100 spent, with 5X points on categories like departmental stores, grocery, dining, movies, and CSD, plus a welcome gift of 1000 points. In contrast, the Axis Bank Fibe Rupay Credit Card offers cashback rewards—1% on all spends and 3% on entertainment, local commute, and food delivery—but no reward points or welcome benefits. Therefore, for users who prefer points-based rewards with multipliers and redemption flexibility, Shaurya SBI is preferable, while those favoring straightforward cashback might lean towards Axis Bank Fibe.
Which is better for travel?
Regarding travel-related benefits, the Axis Bank Fibe Rupay Credit Card includes one complimentary domestic airport lounge access per quarter, which can be valuable for frequent domestic travelers. The Shaurya SBI Rupay Platinum Credit Card does not offer any lounge access benefits. Both cards have the same forex markup of 3.5%, which is on the higher side, and neither provides international lounge access. Thus, for users prioritizing domestic lounge access, Axis Bank Fibe is better suited, while neither card stands out for international travel perks.
Which has lower effective cost?
The Axis Bank Fibe Rupay Credit Card has no joining or annual fees, making it cost-effective for users seeking a no-fee credit card. The Shaurya SBI Rupay Platinum Credit Card charges an annual fee of Rs.250, which can be waived by spending Rs.50,000 annually. Additionally, Axis Bank Fibe waives card replacement charges, whereas Shaurya SBI charges Rs.250 for replacement. Both cards have similar cash advance fees and fuel surcharge waivers. Overall, Axis Bank Fibe offers a lower effective cost, especially for users with lower annual spends who want to avoid fees.
Reward Structure and Redemption
The Shaurya SBI Rupay Platinum Credit Card offers a points-based reward system with 5X points on select categories and a welcome bonus, redeemable against card outstanding at a rate of 4 points per Rs.1. Axis Bank Fibe provides cashback rewards without a points system, simplifying rewards but limiting redemption flexibility.
Fee Waiver Complexity
Shaurya SBI charges an annual fee of Rs.250 but offers a waiver if the user spends Rs.50,000 annually, introducing a spending requirement to avoid fees. Axis Bank Fibe has no joining or renewal fees, making it simpler and potentially more economical for low-spend users.
Who should pick Axis Bank Fibe Rupay Credit Card?
Consider Axis Bank Fibe Rupay Credit Card if you prefer a no-fee credit card with straightforward cashback rewards and domestic airport lounge access. It suits users who want to avoid annual fees entirely and benefit from cashback on entertainment, food delivery, and local commute. This card is also a good choice if you value complimentary lounge access within India and want to minimize card replacement costs.
Who should pick Shaurya Sbi Rupay Platinum Credit Card?
Consider Shaurya SBI Rupay Platinum Credit Card if you are comfortable paying a modest annual fee (waivable with spending) in exchange for a structured reward points program with multipliers on categories like grocery, dining, movies, and departmental stores. It is suitable for users who prefer earning and redeeming reward points and want a welcome bonus. However, it lacks lounge access benefits and has a card replacement fee.
Frequently Asked Questions
Yes, both Axis Bank Fibe Rupay Credit Card and Shaurya SBI Rupay Platinum Credit Card charge a forex markup fee of 3.5% on foreign currency transactions.
The Axis Bank Fibe Rupay Credit Card offers 1 complimentary domestic airport lounge access per quarter. The Shaurya SBI Rupay Platinum Credit Card does not provide any lounge access benefits.
Axis Bank Fibe Rupay Credit Card has no joining or annual fees. Shaurya SBI Rupay Platinum Credit Card charges an annual fee of Rs.250, which can be waived if you spend Rs.50,000 in a year.
Axis Bank Fibe Rupay Credit Card offers cashback rewards—1% on all spends and 3% on entertainment, food delivery, and local commute. Shaurya SBI Rupay Platinum Credit Card offers reward points—1 point per Rs.100 spent and 5X points on select categories like grocery, dining, movies, and departmental stores.
Yes, both cards provide a 1% fuel surcharge waiver with certain conditions and maximum limits as per their terms.
Shaurya SBI Rupay Platinum Credit Card offers 1000 reward points as a welcome gift upon payment of the first-year annual fee. Axis Bank Fibe Rupay Credit Card does not offer any welcome benefits.