Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 1 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-1. Entry-tier with strong entertainment partnerships. IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | IRCTC SBI Premier | Axis MyZone |
|---|---|---|
| Annual fee | · ₹1,499 | ₹500 |
| Joining fee | · ₹1,499 | ₹500 |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 4% | 3.5% |
| Welcome bonus | = 1,500 IRCTC reward points | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹200,000 / yr | ₹100,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | = 4/5 | = 4/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›IRCTC SBI Premier vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use IRCTC SBI Premier for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IRCTC SBI Premier: 1,500 IRCTC reward points. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.