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Axis My Zone Credit Card VS SimplySAVE SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both SimplySAVE SBI Card and Axis My Zone Credit Card suit dining-focused spenders, but they earn and cost differently. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. Axis My Zone Credit Card costs ₹500 + GST and earns 4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20. SimplySAVE SBI Card also brings receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance, while Axis My Zone Credit Card counters with 1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Axis My Zone Credit Card
Axis My Zone Credit Card
SimplySAVE SBI Card
SimplySAVE SBI Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverThe renewal fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)

Rewards & Benefits

Welcome BonusComplimentary SonyLiv Premium annual subscription worth ₹1,499 after first transaction.
Welcome BonusReceive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance.
Rewards Rate4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20.
Rewards Rate10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits1 complimentary domestic airport lounge access per quarter on meeting spend criteria.
Travel Benefits
Movie BenefitsBOGO movie tickets via District app (up to ₹200/month) & complimentary SonyLiv Premium annual subscription.
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Dining BenefitsFlat ₹120 off on Swiggy (twice/month) & 15% off via EazyDiner (up to ₹500/month).
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, capped at ₹400/month. Applicable on UPI.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis My Zone Credit Card

SimplySAVE SBI Card

Who is it for?

The Axis My Zone Credit Card is an entry-level offering by Axis Bank, designed for individuals who frequently spend on movies, shopping, and food. It stands out with a complimentary SonyLiv Premium annual subscription, attractive movie and dining offers, and complimentary domestic airport lounge access, all available for a nominal fee.

Who is it for?

The SimplySAVE SBI Card is an entry-level credit card designed to make everyday spending more rewarding, offering accelerated reward points on common categories like dining, movies, departmental stores, and groceries. It provides significant value for individuals who frequently spend in these areas, coupled with a beneficial fuel surcharge waiver and a welcome bonus for new cardholders. The card's focus on high-frequency categories and its spend-based renewal fee reversal make it a strong contender for an entry-level or mid-range card, maximizing savings on daily expenses.

Pros

Key benefits and features.

Enjoy a complimentary SonyLiv Premium annual subscription, adding significant entertainment value.

Benefit from attractive Buy One Get One movie ticket offers, saving up to ₹2,400 annually.

Get substantial dining discounts on Swiggy and through EazyDiner, enhancing your food experiences.

Receive 1 complimentary domestic airport lounge access per quarter, making travel more comfortable.

The card has a low joining and annual fee, making it an accessible entry-level option.

Pros

Key benefits and features.

Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.

Earn 10X Reward Points on popular categories like dining, movies, and groceries.

Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.

Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.

Enjoy the convenience of add-on cards for family members with no annual fee.

Cons

Key drawbacks and limitations.

Reward points are not earned on movie, fuel, wallet, insurance, education, and utility spends.

Domestic lounge access requires a minimum spend of ₹50,000 in the previous three months.

The general reward rate of 0.4% is relatively low compared to other credit cards.

High foreign currency markup of 3.5% makes international transactions expensive.

A rewards redemption fee of ₹99 + GST is charged for redeeming points.

Cons

Key drawbacks and limitations.

The reward rate for spends outside accelerated categories is a standard 1X, which is lower.

No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.

The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis My Zone Credit Card(opens in new tab)Apply for SimplySAVE SBI Card(opens in new tab)