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Side-by-Side Comparison|Updated March 2026

Axis Bank My Zone Credit Card vs Axis Bank Rewards Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Axis Bank

Axis Bank Rewards Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.32%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank My Zone Credit CardAxis Bank Rewards Credit Card
Annual Fee₹500₹1,000
Joining Fee₹500₹1,000
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.2%0.32%
Reward CurrencyEDGE Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank My Zone Credit Card

No accelerated rewards listed

Axis Bank Rewards Credit Card

  • 0% on Apparel & Departmental Stores — 1008 pts/month

Pros & Cons

Axis Bank My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

Axis Bank Rewards Credit Card

Pros

  • 10X EDGE Reward points on apparel and departmental store spends up to ₹7,000 per month.
  • Monthly milestone benefit of 1,500 EDGE Reward points on spending ₹30,000.
  • Flat ₹150 off on Swiggy twice a month on orders above ₹500.
  • Annual fee waiver on relatively low spending of ₹2 Lakhs per year.

Cons

  • Lounge access is subject to a high spend requirement of ₹50,000 in the previous 3 months.
  • Low reward redemption value of ₹0.20 per point.
  • Accelerated rewards are capped at a low monthly spend threshold of ₹7,000.

Our Verdict

Both Axis Bank My Zone Credit Card and Axis Bank Rewards Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Choose Axis Bank Rewards Credit Card if

Strong rewards on apparel and departmental stores make it ideal for regular mall shoppers.

Frequently Asked Questions

Which is better: Axis Bank My Zone Credit Card or Axis Bank Rewards Credit Card?
Both Axis Bank My Zone Credit Card and Axis Bank Rewards Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank My Zone Credit Card and Axis Bank Rewards Credit Card?
Axis Bank My Zone Credit Card has an annual fee of ₹500, while Axis Bank Rewards Credit Card has an annual fee of ₹1,000. Axis Bank Rewards Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank My Zone Credit Card or Axis Bank Rewards Credit Card?
Axis Bank My Zone Credit Card offers a base reward rate of 0.2%. Axis Bank Rewards Credit Card offers 0.32% base rewards with bonuses on Apparel & Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Axis Bank My Zone Credit Card and Axis Bank Rewards Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank My Zone Credit Card and Axis Bank Rewards Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank My Zone Credit Card or Axis Bank Rewards Credit Card?
For beginners, Axis Bank My Zone Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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