SBI Prime vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis MyZone wins 5-3. Entry-tier with strong entertainment partnerships. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Prime | Axis MyZone |
|---|---|---|
| Annual fee | · ₹2,999 | ₹500 |
| Joining fee | · ₹2,999 | ₹500 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹300,000 / yr | ₹100,000 / yr |
| Min income | · ₹480,000 | ₹240,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Trident Privilege Red membership
Axis MyZone
- Buy-1-get-1 movie tickets on District, spend-gated from 1 Nov 2026 (₹25,000 settled spend in the previous 3 months)
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›SBI Prime vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). Axis MyZone: ₹500 SonyLIV / Eros Now subscription.