Axis Reserve vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
Winner
Axis Reserve
Axis Bank
Super PremiumVS
IRCTC SBI Card Premier
SBI Card
Mid-RangeAnnual Fee
₹50K vs ₹1K
Effective Rate
(cash value)
6.3% vs 0.8%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | Axis Reserve | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹50K | ₹1K |
| Annual Fee | ₹50K | ₹1K |
| Fee Waiver | None | Spend ₹2L annually |
| Forex Markup | 1.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 6.25% | 0.8% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | - | ₹4.0L |
Axis Reserve is Best For
Ultra HNI invite-only customers
Watch Out
- • ₹50K annual fee
- • Invite-only
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
Axis Reserve wins!
Score: 111vsScore: 23
