Axis Bank Select Credit Card vs SBI Cards Tata Titanium Mastercard Credit Card: Which is Better in 2026?
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In short: SBI Tata Titanium has the lower annual fee (₹499 vs ₹3,000); both charge a 3.5% forex markup.
| Key facts | Axis Select | SBI Tata Titanium |
|---|---|---|
| Annual fee | ₹3,000 | ₹499 |
| Joining fee | ₹3,000 | Not listed |
| Annual fee waived | On ₹8 lakh annual spend | On ₹1 lakh annual spend |
| Lounge access | 2 airport lounge visits a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Select Credit Card and the SBI Cards Tata Titanium MasterCard Credit Card cater to different user needs with distinct fee structures, rewards, and travel benefits. Axis Bank Select offers extensive lounge access and milestone rewards, while the SBI Tata Titanium card provides a lower fee and focused rewards on departmental and grocery stores. Both cards have the same forex markup fee of 3.5%, but differ significantly in their annual fees and lounge privileges.
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 Select Credit Card | SBI Cards Tata Titanium MasterCard Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.3000 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.3000 | Annual Fee - Rs.499 |
| Annual fee waiver | Spend Rs.8 Lakh For Waiver of Annual Fee | Spend Rs.1 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 1 Empower Point on Retail |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | 12 Complimentary International Airport Lounge Access | — |
| Welcome benefit | Welcome Benefit - 10000 EDGE REWARD Points | Earn 500 Empower points As Welcome Benefit on the Spends of Rs.2000 |
| Milestone benefit | Earn 5000 EDGE Reward Points on Spend of Rs.3 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Axis Bank Select Credit Card offers a higher earning potential with 10 EDGE Reward Points per Rs.200 spent, including 2X points on retail and milestone bonuses. In contrast, the SBI Tata Titanium card earns 1 Empower Point per Rs. spent with 3X points on departmental and grocery stores, making it more niche-focused. The Axis Bank card also provides a better redemption value of Rs.0.20 per point compared to Rs.1 per Empower point, but the overall points accumulation rate favors Axis Bank for higher spenders.
Which is better for travel?
Regarding travel benefits, the Axis Bank Select card clearly leads with 2 complimentary domestic airport lounge accesses per quarter and 12 international lounge accesses annually. It also offers 6 complimentary golf rounds per year and a 1% fuel surcharge waiver. The SBI Tata Titanium card does not provide any lounge access or golf benefits, making it less attractive for frequent travelers seeking premium perks.
Which has lower effective cost?
The SBI Tata Titanium card is more beginner-friendly with a lower annual fee of Rs.499, which is waived on spending Rs.1 lakh. The Axis Bank Select card has a significantly higher joining and renewal fee of Rs.3000 each, waived only after spending Rs.8 lakh. For users with moderate to low spends, SBI Tata Titanium offers a more economical option, while high spenders may justify the higher fees of Axis Bank Select due to its richer benefits.
Fee Waiver Complexity
The Axis Bank Select card requires a high annual spend of Rs.8 lakh to waive its Rs.3000 annual fee, which may be challenging for some users. In contrast, the SBI Tata Titanium card offers a much lower waiver threshold of Rs.1 lakh for its Rs.499 annual fee, making it easier to maintain fee-free status.
Reward Redemption Value
Axis Bank Select offers a redemption rate of 1 EDGE Reward Point = Rs.0.20, whereas SBI Tata Titanium provides a 1 Empower Point = Rs.1 redemption rate. Despite the higher nominal value per point for SBI, the faster point accumulation on Axis Bank Select can lead to greater overall value for heavy spenders.
Who should pick Axis Bank Select Credit Card?
Consider Axis Bank Select Credit Card if you are a frequent traveler who values extensive airport lounge access, golf benefits, and accelerated reward points on retail spends. This card suits high spenders who can meet the Rs.8 lakh annual spend requirement to waive the substantial annual fee and want to maximize rewards and premium privileges.
Who should pick SBI Cards Tata Titanium MasterCard Credit Card?
Consider SBI Cards Tata Titanium MasterCard Credit Card if you prefer a low-cost credit card with straightforward rewards focused on departmental and grocery store spends. This card is suitable for beginners or moderate spenders who want to avoid high fees and do not require travel-related perks like lounge access.
Frequently Asked Questions
Axis Bank Select Credit Card charges Rs.3000 annually after the first year, waived on Rs.8 lakh spend. SBI Tata Titanium charges Rs.499 annually, waived on Rs.1 lakh spend.
Axis Bank Select provides 2 domestic lounge accesses per quarter and 12 international lounge accesses annually. SBI Tata Titanium does not offer any lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Axis Bank Select offers 5000 EDGE Reward Points on spending Rs.3 lakhs annually. SBI Tata Titanium does not have milestone rewards.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.