Synopsis: This article compares Airtel Axis Bank and SBI Cashback Credit Cards to see which one delivers higher savings and better rewards in 2025.
The selection of the appropriate credit card can save you a lot. The Airtel Axis Bank Credit Card and SBI Cashback credit card are famous in India this year. Both are cashback and benefit, but which one best suits your spending way? The features are disaggregated in this article in a clear and straightforward way.
Cashback Benefits Compared
1. Airtel Axis Bank Credit Card
- Upto 25% cashback on Airtel postpaid, broadband and DTH bills.
- Cashback of 10% on utility bills and the most common food and grocery apps, such as Swiggy and BigBasket.
- The rest of the spending has a cashback of 1%.
- The cashback would be automatically listed in the statement, and thus is easy to use.
2. Cashback SBI Card
- A consistent 5% cashback on any online purchases, platform notwithstanding.
- 1% cashback on offline spends.
- The cashback is automatically credited within a period of two days after the statement has been generated.
- 5,000 maximum cashback per statement cycle.
Also read: HDFC Infinia or Diners Club Black: Which Premium Credit Card Offers the Best Value?
Fees and Other Benefits
| Feature | Airtel Axis Bank Credit Card | SBI Cashback Credit Card |
| Annual Fee | ₹500 (waived if yearly spend ₹2L) | ₹999 (waived if yearly spend ₹2L) |
| Airport Lounge Access | 4 complimentary visits per year | No lounge access |
| Fuel Surcharge Waiver | 1% surcharge waiver on fuel | Up to ₹100 per month |
The Airtel Axis Bank card also provides lifestyle benefits such as airport lounge access whereas the SBI cashback card is based on cashback only without any additional benefits.
Which One Should You Pick?
- Select SBI Cashback Credit Card when you require an easy high cashback on all online transactions without any hassles.
- Select Airtel Axis Bank Credit Card in case you are an Airtel subscriber, seek cashback on utilities and food delivery, and would like to be able to access lounges and other benefits.
- Both of them have annual fees that are waived in case you spend ₹2 lakh and above in a year, which is pocket friendly to ordinary users.
Quick Tip
Prior to selecting your card, observe where you spend more money. Depending on your individual spending patterns, it is necessary to select the most appropriate credit card. Both these cards are worth bringing on board provided that they are used wisely. Choose the one that best suits your lifestyle and will save the most in 2025!
So who’s the winner
The clear winner between the two credit cards is the SBI Cashback Credit Card for most users. However, when you are used to paying Airtel bills, utilities, or even placing food online, the Airtel Axis Bank card will provide high cashback in those sections.
Written by Jayanth R Pai