SBI Cashback credit card vs Axis Bank Select Credit Card

• Get 5% Cashback on online spends without any merchant restriction
• Get 1% Cashback on offline spends
• The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
• The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
• Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
• CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Use the card to make payments at any outlet that accepts VISA
• Withdraw cash from over 1 million VISA across the globe
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Save money while paying credit card dues
• Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
• Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
• Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
• 6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
• Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
• Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
• Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
• Get 10 Axis EDGE points on every Rs. 200 spends
• Get 2X per  Rs. 200 on ‘Retail Shopping’ spends
• Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
• Explore curated experiences from across the world with Extraordinary Weekends
• 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month.
• Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
• Purchase protection up to Rs. 1 Lakh
• Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover

Pros

• 5% cashback on online spends
• 1% Fuel Surcharge Waiver across all petrol pumps in India
• Great for high spending on online merchants

Cons

• No golf benefits
• No complimentary airport lounge access
• Cashback card is not eligible for instant discount during online sales

Pros

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months

Cons

• High interest rate
• High joining/renewal fee