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

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

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

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹2,999).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 8/year domestic lounge. SBI Card Prime: 8/year domestic lounge (2 per quarter).

Which card has a higher base reward rate?

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

Pairwise comparison Add another card →

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.

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

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Reward earning explained

Per card

Privilege

Base rewards on regular spend

Prime

2 pts / ₹100 on General spend

Pick based on what matters

3 dimensions

Start 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 vs 8/year (2 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Privilege: Limited data Prime: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 8/year (2 per quarter).

Privilege: Limited data Prime: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI Prime: ~₹250/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Privilege Axis Bank	Prime SBI Card
Lounge Access
Domestic lounge visits 8/year vs 8/year (2 per quarter)	8/year	8/year (2 per quarter)
International lounge visits Only available for SBI Prime	Not specified	1/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,500 vs ₹2,999	₹1,500	₹2,999
Joining fee ₹1,500 vs ₹2,999	₹1,500	₹2,999
Fee waiver spend ₹5,00,000 vs ₹3,00,000	₹5,00,000	₹3,00,000
Rewards
Points per ₹100 Only available for SBI Prime	Not specified	2 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.