Axis Bank Vistara Signature vs SBI Etihad Guest
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI Etihad Guest Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.0/10 vs 7.4/10.
| Feature | Axis Bank Vistara Signature | SBI Etihad Guest |
|---|---|---|
| CardTrail Score | 7.4/10 | 8.0/10 |
| Annual Fee | ₹3,000 | ₹4,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 4% | 6% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 2 | 8 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose SBI Etihad Guest
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 6% vs 4%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, miles
Annual Fee Value Analysis
To break even on Axis Bank Vistara Signature's ₹3,000 fee at 1% rewards, spend ₹25,000/month.
To break even on SBI Etihad Guest's ₹4,999 fee at 1% rewards, spend ₹41,658/month.