Axis Bank Privilege Credit Card vs Club Vistara SBI Card PRIME
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₹1,500
Max Reward5%
SBI CardScoreBasic
Annual Fee₹2,999
Max RewardStandard
Axis Bank Privilege Credit Card leads overall with a CardCheck Score of 79/100 (+38 pts over Club Vistara SBI Card PRIME).
4-Pillar Head-to-Head Breakdown
Axis vs ClubReward Power
35%Axis34/35
Club15/35
Axis Wins
Fee Value & ROI
25%Axis18/25
Club14/25
Axis Wins
Lounge & Travel
20%Axis15/20
Club4/20
Axis Wins
Forex & Access
20%Axis12/20
Club8/20
Axis Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 41
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Mid-segment reward points with dining and lifestyle benefits
- Vistara flyers
03—Fees
- Joining fee
- ₹1,500Best
- ₹2,999
- Annual fee
- ₹1,500Best
- ₹2,999
- Fee waiver
- ₹5,00,000
- ₹3,00,000Best
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 55.55%
- 42%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 5%
- —
- Max rate
- 5%
- —
- Points / ₹100
- 5
- —
- Point value
- ₹0.2
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Invite only
Rows won
03of 06
03of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 41 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Co-branded |
| Best for | Mid-segment reward points with dining and lifestyle benefits | Vistara flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,500Best | ₹2,999 |
| Annual fee | ₹1,500Best | ₹2,999 |
| Fee waiver | ₹5,00,000 | ₹3,00,000Best |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 42%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 5% | — |
| Max rate | 5% | — |
| Points / ₹100 | 5 | — |
| Point value | ₹0.2 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Invite only | ||
| Rows won | 03of 06 | 03of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Privilege Credit Card | Club Vistara SBI Card PRIME |
|---|---|---|
| CardCheck Score | 79/100Very Good | 41/100Basic |
| Annual Fee | ₹1,500 | ₹2,999 |
| Fee Waiver Spend | ₹5L/yr | ₹3L/yr |
| Max Reward Potential | 5% | Standard |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Privilege Credit Card if:
Your spending centers around mid-segment reward points with dining and lifestyle benefits and you want direct partner rewards with Axis Bank.
Choose Club Vistara SBI Card PRIME if:
Your spending aligns with vistara flyers and you prioritize SBI Card's redemption benefits.
Popular Comparisons for Axis Bank Privilege Credit Card
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Frequently asked questions: Axis Bank Privilege Credit Card vs Club Vistara SBI Card PRIME
- Which is better: Axis Bank Privilege Credit Card or Club Vistara SBI Card PRIME?
- Axis Bank Privilege Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 41/100 (Basic) for Club Vistara SBI Card PRIME (a lead of +38 points). Axis Bank Privilege Credit Card gains its scoring lead primarily through reward potential (34 vs 15) and lounge & travel privileges (15 vs 4).
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Privilege Credit Card charges an annual fee of ₹1,500 with an annual spend threshold of ₹5 Lakh for renewal fee waiver. In comparison, Club Vistara SBI Card PRIME charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between Axis Bank Privilege Credit Card and Club Vistara SBI Card PRIME?
- Axis Bank Privilege Credit Card offers a base reward rate of 5% and up to 5% on accelerated partner categories. Meanwhile, Club Vistara SBI Card PRIME offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Privilege Credit Card or Club Vistara SBI Card PRIME?
- Axis Bank Privilege Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). On the other hand, Club Vistara SBI Card PRIME provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Privilege Credit Card levies a foreign currency markup fee of 3.5%, while Club Vistara SBI Card PRIME charges 3.50%. 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).