Head-to-head · 🇮🇳 India
SBI IRCTC Premier vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 2 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 6 of 10
Verdict
Axis MyZone wins 6-2. Entry-tier with strong entertainment partnerships. SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | SBI IRCTC Premier | Axis MyZone |
|---|---|---|
| Annual fee | · ₹1,499 | ₹500 |
| Joining fee | · ₹1,499 | ₹500 |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,500 reward points + waived first-year fee on ₹1L spend | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹200,000 / yr | ₹100,000 / yr |
| Min income | · ₹300,000 | ₹240,000 |
| Min credit score | · 740 | 720 |
| Editorial rating | · 3.9/5 | 4/5 |
Benefits compared
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
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
›SBI IRCTC Premier vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (6 vs 2). 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 SBI IRCTC 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?
SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.