5 EDGE Reward Points / ₹100
Limited data Pairwise comparison
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Axis Bank Privilege vs SBI Card Prime Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Privilege and the SBI Card Prime. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Privilege for rewards.
Head-to-head
Three core metrics- Annual fee Privilege saves ₹1,499/yrPrivilege ₹1,500 Waivable at ₹5,00,000 spendPrime ₹2,999 Waivable at ₹3,00,000 spend
- Forex markup Privilege 3.5%Prime 3.5%
- Domestic lounge Privilege 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar monthsPrime 8/year (2 per quarter)
Reward earning explained
Per card2 pts / ₹100 · 10 points/₹100 on eligible departmental Stores, dining, grocery, and movies
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs SBI Card Prime: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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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 Prime's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Privilege: ~₹500/month at base rate
- SBI Prime: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Privilege Axis Bank | Prime SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,500 vs ₹2,999 | ₹1,500 | ₹2,999 |
| Annual-fee waiver ₹5,00,000 vs ₹3,00,000 | ₹5,00,000 | ₹3,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Privilege | ₹750–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Privilege | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 5 EDGE Reward Points / ₹100 vs 2 pts / ₹100 | 5 EDGE Reward Points / ₹100 | 2 pts / ₹100 |
| Conservative base value ~1% vs ~0.5% | ~1% | ~0.5% |
| Earn ceiling Not stated vs 3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend | Not stated | 3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend |
| 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 |
| Point validity Only available for SBI Prime | Not specified | 2 years |
Notes
- Axis Bank Privilege Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Privilege
Verify with issuer , opens external siteSBI Card Prime
Verify with issuer , opens external site