Which card has a lower forex fee: Axis Bank My Zone Credit Card or IRCTC SBI Card Platinum?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank My Zone Credit Card or IRCTC SBI Card Platinum?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. IRCTC SBI Card Platinum: 4 domestic lounge visits/year.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank My Zone vs SBI Card IRCTC SBI Card Platinum Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the SBI Card IRCTC SBI Card Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.

upi SBI Card IRCTC SBI Card Platinum

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

IRCTC SBI Card Platinum SBI Card

Annual fee ₹500 Waivable at ₹75,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

IRCTC SBI Card Platinum

10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back applies only to AC1, AC…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs SBI Card IRCTC SBI Card Platinum: ₹500), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
upi SBI Card IRCTC SBI Card Platinum wins

SBI Card IRCTC SBI Card Platinum is better for UPI usage

SBI Card IRCTC SBI Card Platinum is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

My Zone: ~₹200/month at base rate
IRCTC SBI Card Platinum: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	IRCTC SBI Card Platinum SBI Card
Lounge Access
Domestic lounge visits 1/quarter vs 4/year	1/quarter	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend Only available for IRCTC SBI Card Platinum	Not specified	₹75,000
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
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

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.