TATA STAR Titanium vs Axis Bank Horizon Credit Card

• On spends at STAR Outlets, earn 3.5% value back  
• On spends on select TATA Outlets, get up to 5% value back
• Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 3,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 3,000, to avail this benefit
• With TATA STAR Titanium Card, book railway tickets online and enjoy home delivery

• Welcome Benefits include getting 5000 EDGE Reward Miles on the first transaction greater than or equal to Rs. 1000 within 30 days of card issuance date
• Get 1500 EDGE Miles worth Rs. 1,500 on completion of anniversary year
• Get 5 EDGE Miles on every Rs. 100 spent on the Axis Bank Travel EDGE portal and direct airline websits
• Get 2 EDGE Miles per Rs. 100 on all other spends
• 2 International airport lounges access per calender quarter
• 8 Complimentary domestic airport lounge visits per calendar quarter (VISA) and 6 complimentary visists per calendar quarter (Mastercard)
• 1% surcharge waiver for fuel transaction between Rs. 400 to Rs. 5,000. Do note GST charged on fuel surcharge is non-refundable
• Lost card liability cover of Rs. 10 Lakh
• Enjoy exceotional dining experiences at to resturants acree India with Axis Bank Dining Delights Program
• Wednesday Delight- Enjoy exciting offers every Wednesday:

A. Instant savings of up to 15% on flights and hotels via MakeMyTrip

B. 10% off on orders via Swiggy

C. 10% off up to Rs. 1,000 on Tira

Pros

• Spend based fees reversal on spends of Rs. 1,00,000 & above annually
• 3 Reward Points per Rs. 100 spent on departmental & grocery stores
• Low Annual Fee

Cons

• High-interest rates
• No Golf/coaching sessions
• No complimentary Airport Lounge visits

Pros

• High number of complimentary airport lounge visits
• Welcome benefit surpass the joining fee
• Accelerated rewards on travel bookings also include spends at direct airline websites/counters

Cons

• No annual fee waiver option
• No Golf benefits
• No Insurance benefits