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Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardAxis Bank My Zone Credit Card
Annual Fee₹10,000₹500
Joining Fee₹10,000₹500
Fee Waiver SpendN/AN/A
Base Reward Rate3%0.2%
Reward CurrencyMaharaja Club PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Axis Bank My Zone Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

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 Vistara Infinite 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 Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

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 Vistara Infinite Credit Card or Axis Bank My Zone Credit Card?
Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card and Axis Bank My Zone Credit Card?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, while Axis Bank My Zone Credit Card has an annual fee of ₹500.
Which card has better rewards: Axis Bank Vistara Infinite Credit Card or Axis Bank My Zone Credit Card?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. 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 Vistara Infinite 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 Vistara Infinite 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 Vistara Infinite 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.

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