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Side-by-Side Comparison|Updated March 2026

Axis Bank My Zone Credit Card vs SBI Card AURUM

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank My Zone Credit CardSBI Card AURUM
Annual Fee₹500₹9,999
Joining Fee₹500₹9,999
Fee Waiver SpendN/A₹12,00,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Axis Bank My Zone Credit Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank My Zone Credit Card and SBI Card AURUM?
Axis Bank My Zone Credit Card has an annual fee of ₹500, while SBI Card AURUM has an annual fee of ₹9,999. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Axis Bank My Zone Credit Card or SBI Card AURUM?
Axis Bank My Zone Credit Card offers a base reward rate of 0.2%. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank My Zone Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank My Zone Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank My Zone Credit Card or SBI Card AURUM?
For beginners, Axis Bank My Zone Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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