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 annual fee vs ₹1,499 annual fee).

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 conservative 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.

My Zone

PULSE

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

My Zone ₹500 Annual-fee waiver not offered

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

My Zone saves ₹999/yr
Forex markup

My Zone 3.5%

PULSE 3.5%
Domestic lounge

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)

Reward earning explained

Per card

My Zone

2 EDGE Reward Points / ₹100

Strong data

PULSE

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

Strong 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%.

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.

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
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

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

SBI Card PULSE

Verify with issuer