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

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

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

Axis Bank My Zone Credit Card has a lower annual fee (₹500 vs ₹1,499).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. SBI Card PULSE: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

SBI Card PULSE has higher base reward value (~0.5% vs ~0.4%).

Pairwise comparison Compare 3+ cards →

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

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.

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

PULSE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Reward earning explained

Per card

My Zone

2 pts / ₹100

PULSE

2 pts / ₹100 · Up to 10 pts / ₹100 on Dining

Limited data

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 PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).

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.
Rewards Tie

Both cards are similar for rewards

Axis Bank My Zone conservative base value ~0.4% vs SBI Card PULSE's ~0.5%. SBI Card PULSE conservative base value ~0.5% vs Axis Bank My Zone's ~0.4%.

Axis Bank My Zone

Confidence: Low (limited information available)

Verify with issuer

SBI Card PULSE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI PULSE: ~₹250/month at base rate
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits	4/year (1 per quarter)	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend Only available for SBI PULSE	Not specified	₹2,00,000
Rewards
Points per ₹100	2 pts / ₹100	2 pts / ₹100
Conservative base value ~0.4% vs ~0.5%	~0.4%	~0.5%
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

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.