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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card vs Axis Bank My Zone Credit Card

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

SBI Card

Reliance SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkRuPay
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Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
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Feature-by-Feature Comparison

FeatureReliance SBI CardAxis Bank My Zone Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkRuPayVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

Reliance SBI Card

Pros

  • Accelerated 10 Reward Points per ₹100 spent on Ajio and JioMart (2.5% value back).
  • 5 Reward Points per ₹100 spent at participating Reliance Retail stores like Trends and Smart Bazaar.
  • Welcome benefit of ₹500 Reliance Retail voucher effectively offsets the joining fee.
  • Low annual fee waiver threshold of ₹1 Lakh annual spend.

Cons

  • No complimentary airport lounge access in the base variant.
  • Reward redemption fee of ₹99 + GST applies to every redemption request.
  • Base reward rate of 0.25% on non-Reliance spends is very low.

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.

Our Verdict

Both Reliance SBI Card and Axis Bank My Zone Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Reliance SBI Card if

High value back on grocery (JioMart), fashion (Ajio, Trends), and electronics (Reliance Digital).

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: Reliance SBI Card or Axis Bank My Zone Credit Card?
Both Reliance SBI Card and Axis Bank My Zone Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Reliance SBI Card and Axis Bank My Zone Credit Card?
Reliance SBI Card has an annual fee of ₹499, while Axis Bank My Zone Credit Card has an annual fee of ₹500. Reliance SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Reliance SBI Card or Axis Bank My Zone Credit Card?
Reliance SBI Card offers a base reward rate of 0.25%. Axis Bank My Zone Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card and Axis Bank My Zone Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card and Axis Bank My Zone Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card or Axis Bank My Zone Credit Card?
For beginners, Reliance SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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