Which card has a lower forex fee: Axis Bank Privilege Credit Card or SBI Card ELITE?

SBI Card ELITE has lower forex markup (1.99% vs 3.5%).

Which card has a lower annual fee: Axis Bank Privilege Credit Card or SBI Card ELITE?

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹4,999).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 2 per quarter domestic lounge. SBI Card ELITE: 8 domestic + 6 international lounge visits/year.

Which card has a higher base reward rate?

Axis Bank Privilege Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

Axis Bank Privilege vs SBI Card ELITE Credit Cards – Fees, Lounge, Forex

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

Forex SBI Card ELITE Rewards Axis Bank Privilege

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months

ELITE SBI Card

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 1.99%
Domestic lounge 8/year

Reward earning explained

Per card

Privilege

5 EDGE Miles / ₹100

ELITE

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs SBI Card ELITE: ₹4,999), forex markup (3.5% vs 1.99%), or lounge access (8/year (2 per quarter) vs 8/year).

Travel Insufficient data

Insufficient data to compare travel

Only SBI Card ELITE has comparable evidence here. Forex markup is 1.99%.

Privilege: Limited data ELITE: Limited data
Forex markup SBI Card ELITE wins

SBI Card ELITE is better for forex

SBI Card ELITE is stronger here. Forex markup is 1.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is 8 per year.
Rewards Axis Bank Privilege wins

Axis Bank Privilege is better for rewards

Axis Bank Privilege is stronger here. Axis Bank Privilege conservative base value ~1% vs SBI Card ELITE's ~0.5%.

Axis Bank Privilege

Confidence: Low (limited information available)

Verify with issuer

SBI Card ELITE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Privilege: ~₹500/month at base rate
SBI ELITE: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Privilege Axis Bank	ELITE SBI Card
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 8/year	8/year (2 per quarter)	8/year
International lounge visits Only available for SBI ELITE	Not specified	6/year
Forex / International Use
Forex markup 3.5% vs 1.99%	3.5%	1.99%
Fees
Annual fee ₹1,500 vs ₹4,999	₹1,500	₹4,999
Joining fee ₹1,500 vs ₹4,999	₹1,500	₹4,999
Fee waiver spend ₹5,00,000 vs ₹10,00,000	₹5,00,000	₹10,00,000
Rewards
Points per ₹100 5 EDGE Miles / ₹100 vs 2 pts / ₹100	5 EDGE Miles / ₹100	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25	₹0.2	₹0.25

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.