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Side-by-Side Comparison|Updated March 2026

ICICI Bank Rubyx 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.

ICICI Bank

ICICI Bank Rubyx Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards0.25%
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

FeatureICICI Bank Rubyx Credit CardAxis Bank My Zone Credit Card
Annual Fee₹2,000₹500
Joining Fee₹3,000₹500
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate0.25%0.2%
Reward CurrencyICICI Bank Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Rubyx Credit Card

  • 0% on iShop (Travel/Vouchers)

Axis Bank My Zone Credit Card

No accelerated rewards listed

Pros & Cons

ICICI Bank Rubyx Credit Card

Pros

  • Dual card advantage: Benefits from two networks (Amex and Mastercard/Visa) on a single account.
  • Welcome vouchers worth ₹5,000+ covering travel and shopping, exceeding the joining fee.
  • Complimentary golf rounds (up to 2 per month) based on retail spends of ₹50,000.
  • 25% discount on movie tickets twice a month on both BookMyShow and INOX.

Cons

  • Lounge access is spend-linked (requires ₹75,000 spend in the previous quarter).
  • No complimentary international airport lounge access.
  • Low base reward rate of 0.5% (2 points per ₹100) compared to competitors.

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 ICICI Bank Rubyx 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 ICICI Bank Rubyx Credit Card if

Offers a mix of golf, movies, and dining discounts through the Culinary Treats program.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: ICICI Bank Rubyx Credit Card or Axis Bank My Zone Credit Card?
Both ICICI Bank Rubyx 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 ICICI Bank Rubyx Credit Card and Axis Bank My Zone Credit Card?
ICICI Bank Rubyx Credit Card has an annual fee of ₹2,000, while Axis Bank My Zone Credit Card has an annual fee of ₹500. ICICI Bank Rubyx Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: ICICI Bank Rubyx Credit Card or Axis Bank My Zone Credit Card?
ICICI Bank Rubyx Credit Card offers a base reward rate of 0.25% with accelerated rewards on iShop (Travel/Vouchers). Axis Bank My Zone Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Rubyx Credit Card and Axis Bank My Zone Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Rubyx 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: ICICI Bank Rubyx 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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