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

SBI Card Miles Prime has lower forex markup (2.5% vs 3.5%).

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

Axis Bank SELECT Credit Card has a lower annual fee (₹3,000 vs ₹4,999).

Which card offers better lounge access?

Axis Bank SELECT Credit Card: 2 per quarter domestic lounge. SBI Card Miles Prime: 8 domestic + 4 international lounge visits/year.

Which card has a higher base reward rate?

SBI Card Miles Prime has higher base reward value (~2% vs ~1%).

Pairwise comparison Compare 3+ cards →

Axis Bank SELECT vs SBI Card Miles Prime Credit Cards – Fees, Lounge, Forex

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

Forex SBI Card Miles Prime Rewards Axis Bank SELECT

Quick comparison

Three core metrics

SELECT Axis Bank

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

Miles Prime SBI Card

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 2.5%
Domestic lounge 8/year

Reward earning explained

Per card

SELECT

5 pts / ₹100 on General spend

Miles 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 SELECT: ₹3,000 vs SBI Card Miles Prime: ₹4,999), forex markup (3.5% vs 2.5%), or lounge access (2/quarter vs 8/year).

Forex markup SBI Card Miles Prime wins

SBI Card Miles Prime is better for forex

SBI Card Miles Prime is stronger here. SBI Card Miles Prime has a lower forex markup (2.5% vs 3.5%).
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 SELECT wins

Axis Bank SELECT is better for rewards

Axis Bank SELECT is stronger here. Estimated base reward value is ~1% on base spend.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI Miles Prime: ~₹1,000/month at base rate
SELECT: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	SELECT Axis Bank	Miles Prime SBI Card
Lounge Access
Domestic lounge visits 2/quarter vs 8/year	2/quarter	8/year
International lounge visits 6/year vs 4/year	6/year	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 2.5%	3.5%	2.5%
Fees
Annual fee ₹3,000 vs ₹4,999	₹3,000	₹4,999
Joining fee ₹3,000 vs ₹2,999	₹3,000	₹2,999
Fee waiver spend ₹8,00,000 vs ₹10,00,000	₹8,00,000	₹10,00,000
Rewards
Points per ₹100 5 pts vs 2 pts	5 pts	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1	₹0.2	₹1
Point validity Only available for SBI Miles Prime	Not specified	2 years

Notes

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