Which card has a lower forex fee: IndiGo Axis Bank Credit Card or SBI Cashback Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or SBI Cashback Credit Card?

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹999).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. SBI Cashback Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank IndiGo vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank IndiGo and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge Axis Bank IndiGo

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Cashback SBI Card

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

Limited data

Cashback

1% · Up to 5% on online spend

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank IndiGo wins

Axis Bank IndiGo is better for lounge access

Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card Cashback conservative base value ~1% per ₹100.

IndiGo: Limited data Cashback: Limited data

Axis Bank IndiGo

Confidence: Low (limited information available)

Verify with issuer

SBI Card Cashback

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI Cashback: ~₹500/month at base rate
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	Cashback SBI Card
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹999	₹799	₹999
Joining fee ₹799 vs ₹999	₹799	₹999
Fee waiver spend Only available for SBI Cashback	Not specified	₹2,00,000
Rewards
Base earn 1 pt / ₹100 vs 1%	1 pt / ₹100	1%
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI Cashback	Not specified	₹1

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.