Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank My Zone Credit Card vs Axis Bank Vistara 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
View Full Details

Axis Bank

Axis Bank Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank My Zone Credit CardAxis Bank Vistara Credit Card
Annual Fee₹500₹1,500
Joining Fee₹500₹1,500
Fee Waiver SpendN/AN/A
Base Reward Rate0.2%0.8%
Reward CurrencyEDGE Reward PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.2/106.5/10
Forex Markup3.5%3.5%

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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

Our Verdict

Axis Bank My Zone Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Choose Axis Bank Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

Frequently Asked Questions

Which is better: Axis Bank My Zone Credit Card or Axis Bank Vistara Credit Card?
Axis Bank My Zone Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank My Zone Credit Card and Axis Bank Vistara Credit Card?
Axis Bank My Zone Credit Card has an annual fee of ₹500, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500.
Which card has better rewards: Axis Bank My Zone Credit Card or Axis Bank Vistara Credit Card?
Axis Bank My Zone Credit Card offers a base reward rate of 0.2%. Axis Bank Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank My Zone Credit Card and Axis Bank Vistara 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 Vistara 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 Vistara 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.

Related Comparisons

Axis Bank My Zone Credit Card vs ICICI Bank Platinum Chip Credit CardAxis Bank Vistara Credit Card vs ICICI Bank Platinum Chip Credit CardAxis Bank My Zone Credit Card vs Axis Bank Vistara Signature Credit CardAxis Bank Vistara Credit Card vs Axis Bank Vistara Signature Credit Card

Explore More

Axis Bank My Zone Credit Card Full ReviewAxis Bank Vistara Credit Card Full ReviewAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips