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IndiGo Axis Bank Premium 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.

IndiGo Axis Bank Premium Credit Card versus SBI Card MILES PRIME compared
FeatureIndiGo Axis Bank Premium Credit CardIndiGo Axis Bank Premium Credit CardAxis Bank6 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.84% base, up to 1.26% on groceries; 2.94% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.84%0.5%
Dining and food delivery0.84%0.5%
Groceries1.26%0.5%
Travel: flights, hotels, trains0.84%; 2.94% only at IndiGo1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees0.84%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.84%0.5%
Everything else0.84%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹5,000 + GST₹2,999 + GST
Annual fee₹5,000 + GST₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age18 years21 years
Max agesame70 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹50,000-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visitssame88
International lounge visits24
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access8 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 markupsame2.5%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

IndiGo Axis Bank Premium Credit Card
Rewards a year
₹2,268
Fee a year
- ₹5,900
You keep
- ₹3,632
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 ₹1,593 a year ahead of IndiGo Axis Bank Premium 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

IndiGo Axis Bank Premium Credit Card
  • Frequent IndiGo flyers
  • Domestic business travellers
  • People who redeem for flights
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

IndiGo Axis Bank Premium Credit Card
  • ₹5,000 fee is never waived
  • Rewards are tied to IndiGo
  • Domestic lounges need Rs 50,000 spend in the previous quarter
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 (IndiGo Axis Bank Premium 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, IndiGo Axis Bank Premium Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; IndiGo Axis Bank Premium Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IndiGo Axis Bank Premium Credit Card has the lowest forex markup. IndiGo Axis Bank Premium Credit Card: 2.5%; 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: IndiGo Axis Bank Premium Credit Card 0.84%, 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?

IndiGo Axis Bank Premium Credit Card: 8 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.

Work Out the Numbers

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