SBI Pulse vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis MyZone wins 6-0. Entry-tier with strong entertainment partnerships. SBI Pulse is still the right call if health/fitness focused, smartwatch + wellness benefits..
Side-by-side
| Criterion | SBI Pulse | Axis MyZone |
|---|---|---|
| Annual fee | · ₹1,499 | ₹500 |
| Joining fee | · ₹1,499 | ₹500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Noise smartwatch on activation + 5,000 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 | · 740 | 720 |
| Editorial rating | · 3.9/5 | 4/5 |
Benefits compared
SBI Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
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 Pulse vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (6 vs 0). 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 Pulse 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 Pulse: Noise smartwatch on activation + 5,000 reward points. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.