Share

Axis Bank Primus 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 Primus Credit Card versus SBI Card MILES PRIME compared
FeatureAxis Bank Primus Credit CardAxis Bank Primus Credit CardAxis Bank4 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards5% on most spends0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping5%0.5%
Dining and food delivery5%0.5%
Groceries5%0.5%
Travel: flights, hotels, trains5%1%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency5%0.5%
Everything else5%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierSuper premiumPremium
Fees
Joining fee₹5,00,000 + GST₹2,999 + GST
Annual fee₹3,00,000 + GST₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment type-BOTH
Rewards
Reward typesameAir milesAir miles
Point value₹5₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits-8
Domestic lounge unlimitedYesNo
International lounge visits-4
International lounge unlimitedYesNo
Guest lounge visits12-
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionUnlimited domestic lounge access plus Priority Pass international for primary and add-on cardholders, 12 complimentary guest visits a year, luxury airport transfers and meet-and-greet8 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 markupNone2.5%
Interest and charges
Interest rate (monthly)1%3.75%
Interest rate (annual)12%45%
Page content
Documents needed-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 Primus Credit Card
Rewards a year
₹12,000
Fee a year
- ₹3,54,000
You keep
- ₹3,42,000
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, SBI Card MILES PRIME comes out ₹3,39,961 a year ahead of Axis Bank Primus Credit Card. 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 Primus Credit Card
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 0% markup, most cards add 3.5%
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

Axis Bank Primus Credit Card
  • Skip it if you hope rewards alone will pay the ₹3,54,000 fee: on everyday spend they never do
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
  • Skip it if you sometimes pay only the minimum due: interest of 1% a month (12% a year) outweighs any reward
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 Primus 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 Primus Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; Axis Bank Primus Credit Card: ₹3,00,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Primus Credit Card has the lowest forex markup. Axis Bank Primus Credit Card: 0%; SBI Card MILES PRIME: 2.5%. 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 Primus Credit Card 5%, 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 Primus Credit Card: unlimited domestic lounge visits; 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.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works