Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Rewards 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 Rewards Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.32%
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 Rewards Credit CardAxis Bank My Zone Credit Card
Annual Fee₹1,000₹500
Joining Fee₹1,000₹500
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.32%0.2%
Reward CurrencyEDGE Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Rewards Credit Card

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

Axis Bank My Zone Credit Card

No accelerated rewards listed

Pros & Cons

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.

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

Both Axis Bank Rewards Credit Card and Axis Bank My Zone 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 Rewards Credit Card if

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

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 Rewards Credit Card or Axis Bank My Zone Credit Card?
Both Axis Bank Rewards Credit Card and Axis Bank My Zone 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 Rewards Credit Card and Axis Bank My Zone Credit Card?
Axis Bank Rewards Credit Card has an annual fee of ₹1,000, while Axis Bank My Zone Credit Card has an annual fee of ₹500. Axis Bank Rewards Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Rewards Credit Card or Axis Bank My Zone Credit Card?
Axis Bank Rewards Credit Card offers a base reward rate of 0.32% with accelerated rewards on Apparel & Departmental Stores. 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 Rewards 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 Rewards 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 Rewards 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 Rewards Credit Card vs SBI Card PRIMEAxis Bank My Zone Credit Card vs SBI Card PRIMEAxis Bank Rewards 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 Rewards Credit Card Full ReviewAxis Bank My Zone Credit Card Full ReviewAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips