Airtel Axis Bank Credit Card vs SBI Unnati Credit Card
Axis Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹500
Max Reward25%
SBI CardScoreFair
Annual Fee₹499
Max Reward1%
Airtel Axis Bank Credit Card leads overall with a CardCheck Score of 73/100 (+15 pts over SBI Unnati Credit Card).
4-Pillar Head-to-Head Breakdown
Airtel vs SBIReward Power
35%Airtel35/35
SBI20/35
Airtel Wins
Fee Value & ROI
25%Airtel22/25
SBI22/25
Tie (22/25)
Lounge & Travel
20%Airtel4/20
SBI4/20
Tie (4/20)
Forex & Access
20%Airtel12/20
SBI12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 73Best
- 58
- Rating Verdict
- Very Good
- Fair
- Reward Power (35%)
- 35/35
- 20/35
- Fee Value & ROI (25%)
- 22/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- SBI Card
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Secured
- Best for
- Airtel subscribers — telecom, broadband & utility cashback
- Building credit — secured card against SBI fixed deposit, 1% cashback
03—Fees
- Joining fee
- ₹500
- FreeBest
- Annual fee
- ₹500
- ₹499Best
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 55.55%
- 36%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 25%Best
- 1%
- Points / ₹100
- 1
- —
- Point value
- ₹1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- Free
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73Best | 58 |
| Rating Verdict | Very Good | Fair |
| Reward Power (35%) | 35/35 | 20/35 |
| Fee Value & ROI (25%) | 22/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | SBI Card |
| Network | RuPay | Visa |
| Card type | Co-branded | Secured |
| Best for | Airtel subscribers — telecom, broadband & utility cashback | Building credit — secured card against SBI fixed deposit, 1% cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹500 | FreeBest |
| Annual fee | ₹500 | ₹499Best |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 36%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 25%Best | 1% |
| Points / ₹100 | 1 | — |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | Free |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Airtel Axis Bank Credit Card | SBI Unnati Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 58/100Fair |
| Annual Fee | ₹500 | ₹499 |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 25% | 1% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Airtel Axis Bank Credit Card if:
Your spending centers around airtel subscribers — telecom, broadband & utility cashback and you want direct partner rewards with Axis Bank.
Choose SBI Unnati Credit Card if:
Your spending aligns with building credit — secured card against sbi fixed deposit, 1% cashback and you prioritize SBI Card's redemption benefits.
Popular Comparisons for Airtel Axis Bank Credit Card
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Frequently asked questions: Airtel Axis Bank Credit Card vs SBI Unnati Credit Card
- Which is better: Airtel Axis Bank Credit Card or SBI Unnati Credit Card?
- Airtel Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 58/100 (Fair) for SBI Unnati Credit Card (a lead of +15 points). Airtel Axis Bank Credit Card gains its scoring lead primarily through reward potential (35 vs 20) while tying on fee value & ROI and lounge & travel privileges and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Airtel Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, SBI Unnati Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Airtel Axis Bank Credit Card and SBI Unnati Credit Card?
- Airtel Axis Bank Credit Card offers a base reward rate of 1% and up to 25% on accelerated partner categories. Meanwhile, SBI Unnati Credit Card offers a base rate of 1% and up to 1% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Airtel Axis Bank Credit Card or SBI Unnati Credit Card?
- Airtel Axis Bank Credit Card provides no complimentary airport lounge access. On the other hand, SBI Unnati Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Airtel Axis Bank Credit Card levies a foreign currency markup fee of 3.5%, while SBI Unnati Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).