AXIS My Zone vs SBI PULSE

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

The short answer

My Zone costs ₹999 less a year but waives only at Not offered spend, PULSE at ₹2,00,000.

Annual fee Annual fee outcome: tie.

My Zone ₹500 Annual-fee waiver not offered

PULSE ₹1,499 Waivable at ₹2,00,000 spend

₹999/yr apart · waiver gates differ
Forex markup Forex markup outcome: tie.

My Zone 3.5%

PULSE 3.5%
Domestic lounge Domestic lounge outcome: tie.

My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

PULSE 4/year (1 per quarter)
Rewards Rewards outcome: tie.

My Zone ~0.4%

PULSE ~0.5%

conservative base value

My Zone

2 EDGE Reward Points / ₹100

Strong data

PULSE

2 pts / ₹100 · 10 points/₹100 on eligible dining and health Pharmacy Sports Dining Movies

Strong data

At ₹50k/month spend:

Illustrative only, using current base rates before caps.

Differences only

Field	My Zone Axis Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	4/year (1 per quarter)	4/year (1 per quarter)
International lounge visits Only available for SBI PULSE	Not specified	No international lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹500 vs ₹1,499	₹500	₹1,499
Annual-fee waiver Not offered vs ₹2,00,000	Not offered	₹2,00,000
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for My Zone	₹500–₹1,300 depending on outstanding balance	Not specified
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 2 pts / ₹100	2 EDGE Reward Points / ₹100	2 pts / ₹100
Conservative base value ~0.4% vs ~0.5%	~0.4%	~0.5%
Earn ceiling Not stated vs 7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend	Not stated	7,500 points per calendar month at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25	₹0.2	₹0.25
Point validity Only available for SBI PULSE	Not specified	2 years

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

SBI Card PULSE