2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictHead-to-head
Three core metrics- Annual fee My Zone saves ₹499/yrMy Zone ₹500 Annual-fee waiver not offeredCashback ₹999 Waivable at ₹2,00,000 or more spend
- Forex markup My Zone 3.5%Cashback 3.5%
- Domestic lounge My Zone: +4 lounge visits/yrMy Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsCashback No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on online spend
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank My Zone wins Axis Bank My Zone is better for lounge access
Axis Bank My Zone is stronger here. Domestic lounge access is 1 per quarter.
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Rewards SBI Card Cashback wins SBI Card Cashback is better for rewards
SBI Card Cashback is stronger here. SBI Card Cashback conservative base value ~1% vs Axis Bank My Zone's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI Cashback: ~₹500/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | Cashback SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹999 | ₹500 | ₹999 |
| First-year cost Only available for SBI Cashback | Not specified | ₹999 |
| Annual-fee waiver Not offered vs ₹2,00,000 or more | Not offered | ₹2,00,000 or more |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for SBI Cashback | Not specified | ₹400–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 EDGE Reward Points / ₹100 vs 1% | 2 EDGE Reward Points / ₹100 | 1% |
| Conservative base value ~0.4% vs ~1% | ~0.4% | ~1% |
| Earn ceiling Not stated vs ₹2,000 per statement cycle | Not stated | ₹2,000 per statement cycle |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone | ₹0.2 | Not specified |
| Point validity Only available for SBI Cashback | Not specified | 2 years |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank My Zone
Verify with issuer , opens external siteSBI Card Cashback
Verify with issuer , opens external site