Compare : Axis Bank Cashback Credit Card vs Cashback SBI Card

5,000 EDGE reward points worth Rs. 1,000 on the 1st card spend made within 30 days of card issuance

NA

7% cashback, up to Rs. 2,150 per month, on monthly online spends above Rs. 40,000

5% cashback, up to Rs. 1,750 per month, on monthly online spends between Rs. 5,001 to Rs. 40,000

2% cashback, up to Rs. 100 per month, on monthly online spends of up to Rs. 5,000

Unlimited 0.75% cashback on offline & travel spends; 0.5% cashback, up to Rs. 100 per month, on utility spends

5% cashback on all online spends without any merchant restriction

1% cashback across all offline spends

Cashback will be auto-credited into the statements within 2 days of statement generation

NA

NA

No minimum spend threshold to avail activation benefits

Up to 7% cashback across online spends

Base cashback on utility spends

25% dining discount through EazyDiner

Welcome benefit worth the joining fee

Up to 5% cashback on card spends

Cashback benefits come without any merchant restrictions

No hassle of point conversion as cashback is auto-credited into the statement

Easily achievable renewal fee waiver

Complicated tier-based cashback structure

Minimal cashback on offline spends

No cashback on wallet, rent & fuel purchases

No fuel surcharge waiver

Monthly capping on cashback earnings

No significant additional benefits like complimentary airport lounge access or welcome bonus

People who are high-spenders, make most of their purchases online and prefer cashback over reward points.

People who shop across multiple online brands and prefer flat cashback without any merchant or category restrictions