IKEA Family Axis Bank vs Titan SBI
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Titan SBI Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.8/10 vs 6.9/10.
| Feature | IKEA Family Axis Bank | Titan SBI |
|---|---|---|
| CardTrail Score | 6.9/10 | 8.8/10 |
| Annual Fee | Free | ₹2,999 |
| Base Reward Rate | 1% | 1.5% |
| Max Reward Rate | 5% | 7.5% |
| 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 IKEA Family Axis Bank
- You want a lifetime free card with zero annual cost
- Your primary spend is: shopping, lifestyle
When to Choose Titan SBI
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 7.5% vs 5%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback
Annual Fee Value Analysis
To break even on Titan SBI's ₹2,999 fee at 1.5% rewards, spend ₹16,661/month.
IKEA Family Axis Bank is lifetime free — no break-even needed.