Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Reserve Credit Card vs Axis Bank My Zone 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 Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
View Full Details

Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Reserve Credit CardAxis Bank My Zone Credit Card
Annual Fee₹50,000₹500
Joining Fee₹50,000₹500
Fee Waiver Spend₹35,00,000N/A
Base Reward Rate0.2%0.2%
Reward CurrencyEDGE REWARD PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

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.

Our Verdict

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

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: Axis Bank Reserve Credit Card or Axis Bank My Zone Credit Card?
Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone 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 Reserve Credit Card and Axis Bank My Zone Credit Card?
Axis Bank Reserve Credit Card has an annual fee of ₹50,000, while Axis Bank My Zone Credit Card has an annual fee of ₹500. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank Reserve Credit Card or Axis Bank My Zone Credit Card?
Axis Bank Reserve Credit Card offers a base reward rate of 0.2%. Axis Bank My Zone Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Reserve Credit Card and Axis Bank My Zone Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Reserve Credit Card and Axis Bank My Zone Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Reserve Credit Card or Axis Bank My Zone 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 Reserve Credit Card vs ICICI Bank Platinum Chip Credit CardAxis Bank My Zone Credit Card vs ICICI Bank Platinum Chip Credit Card

Explore More

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