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Axis Bank Horizon Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Horizon Credit Card versus SBI Card MILES PRIME compared
FeatureAxis Bank Horizon Credit CardAxis Bank Horizon Credit CardAxis Bank5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping2%0.5%
Dining and food delivery2%0.5%
Groceries2%0.5%
Travel: flights, hotels, trains2%; 5% only at Axis Travel Edge & airlines1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency2%0.5%
Everything else2%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining fee₹3,000 + GST₹2,999 + GST
Annual fee₹3,000 + GST₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age18 years21 years
Max agesame70 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameAir milesAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹400₹250
Lounge access
Domestic lounge visits328
International lounge visits84
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionUp to 32 domestic (6-8 per quarter) and 8 international airport lounge visits a year8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.5%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Horizon Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, Axis Bank Horizon Credit Card comes out ₹3,299 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank Horizon Credit Card
  • Frequent domestic flyers
  • Travellers who book direct with airlines
  • People who want lots of lounge visits
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

Axis Bank Horizon Credit Card
  • Fee is never waived
  • 3.5% forex markup is high for a travel card
  • Lounge count depends on Visa or Mastercard variant
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (Axis Bank Horizon Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Horizon Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; Axis Bank Horizon Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; Axis Bank Horizon Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Horizon Credit Card 2%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Axis Bank Horizon Credit Card: 32 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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