Axis Bank Miles & More vs SBI Card MILES PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI Card MILES PRIME wins 4 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.7/10.
| Feature | Axis Bank Miles & More | SBI Card MILES PRIME |
|---|---|---|
| CardTrail Score | 7.7/10 | 7.9/10 |
| Annual Fee | ₹3,500 | ₹2,999 |
| Base Reward Rate | 1% | 0.75% |
| Max Reward Rate | 4% | 3% |
| Forex Markup | 3.5% | 2.5% |
| Domestic Lounges | 0 | 4 |
| International Lounges | 2 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Bank Miles & More
- You can meet the fee waiver condition: Waived for HON/Senator members
- You want higher rewards — up to 4% vs 3%
- Your primary spend is: travel, miles, lufthansa
When to Choose SBI Card MILES PRIME
- You can meet the fee waiver condition: Annual fee reversal on reaching Rs. 10 lakh annual spends
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: Axis Bank Miles & More costs ₹4,130 in forex fees vs SBI Card MILES PRIME at ₹2,950. You save ₹1,180/year with SBI Card MILES PRIME.
Annual Fee Value Analysis
To break even on Axis Bank Miles & More's ₹3,500 fee at 1% rewards, spend ₹29,167/month.
To break even on SBI Card MILES PRIME's ₹2,999 fee at 0.75% rewards, spend ₹33,322/month.