2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictPick IRCTC SBI Card Platinum for upi.
Head-to-head
Three core metrics- Annual fee My Zone ₹500 Annual-fee waiver not offeredIRCTC SBI Card Platinum ₹500
- Forex markup My Zone 3.5%IRCTC SBI Card Platinum 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsIRCTC SBI Card Platinum 4/year
Reward earning explained
Per card1 pt / ₹100 · Up to 10 pts / ₹100 on IRCTC
Strong dataPick based on what matters
4 dimensionsStart 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 (4/year (1 per quarter) vs 4/year).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank My Zone conservative base value ~0.4% per ₹100. SBI Card IRCTC SBI Card Platinum is not safely INR-comparable (no usable point value).
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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.
All fields
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.
| Field | My Zone Axis Bank | IRCTC SBI Card Platinum SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs 4/year | 4/year (1 per quarter) | 4/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹500 | ₹500 |
| First-year cost Only available for IRCTC SBI Card Platinum | Not specified | ₹500 |
| Annual-fee waiver Only available for My Zone | Not offered | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for IRCTC SBI Card Platinum | Not specified | ₹400–₹1,100 depending on outstanding balance |
| Fuel benefit Only available for My Zone | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 2 EDGE Reward Points / ₹100 vs 1 pt / ₹100 | 2 EDGE Reward Points / ₹100 | 1 pt / ₹100 |
| Conservative base value ~0.4% vs Not safely INR-comparable | ~0.4% | Not safely INR-comparable |
| Earn ceiling | Not stated | Not stated |
| 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
- 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 IRCTC SBI Card Platinum
Verify with issuer , opens external site