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SBI Cashback Card vs Axis Atlas

Compare SBI Cashback Card vs Axis Atlas across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Axis Atlas leads on reward rate, while SBI Cashback Card has the lowest annual fee.

Card 1

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0

Card 2

Axis Atlas

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
SBI Cashback Card
Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Axis Atlas
Premium stack10.0

axis / VISA

Axis Atlas

Annual

₹5,000

Return

5%

Lounges

20

Forex

2%

Card summary
  • Axis Atlas leans travel and lifestyle with ₹5,000 annual fee, 5% headline return potential, and 20 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹5,000 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • 20 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
SBI Cashback Card
Axis Atlas
Fees
Annual fee
₹999
₹5,000
Joining fee
₹999
₹5,000
Rewards
Cashback rate
5%
1%
Reward rate
1%
5%
Travel
Forex markup
3.5%
2%
Domestic lounges
0
12
International lounges
0
8
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
No
Eligibility
Minimum income
₹5,00,000
₹12,00,000

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