Axis Bank Aura vs Doctor's SBI
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Axis Bank Aura Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.0/10 vs 8.3/10.
| Feature | Axis Bank Aura | Doctor's SBI |
|---|---|---|
| CardTrail Score | 7.0/10 | 8.3/10 |
| Annual Fee | ₹749 | ₹1,499 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 5% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Bank Aura
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 5% vs 2%
- Your primary spend is: general, rewards, lounge
When to Choose Doctor's SBI
- You can meet the fee waiver condition: Annual fee reversal on spending Rs. 2 lakh or more in a year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: general, healthcare
Annual Fee Value Analysis
To break even on Axis Bank Aura's ₹749 fee at 1% rewards, spend ₹6,242/month.
To break even on Doctor's SBI's ₹1,499 fee at 0.5% rewards, spend ₹24,983/month.