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Side-by-Side Comparison|Updated March 2026

ICICI Bank Unifare 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 Unifare Credit Card

6.5/10
Annual Fee₹299
Base Rewards0.25%
NetworkMastercard
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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 Unifare Credit CardAxis Bank My Zone Credit Card
Annual Fee₹299₹500
Joining Fee₹299₹500
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.25%0.2%
Reward CurrencyICICI Bank RewardsEDGE Reward Points
NetworkMastercardVisa
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Unifare Credit Card

Pros

  • Dual-purpose card acting as both a credit card and a Metro Smart Card
  • Auto-recharge facility of ₹200 when balance falls below threshold
  • Up to 15% discount on Metro travel fares (varies by city)
  • Accelerated 4 reward points per ₹100 on auto-recharge transactions

Cons

  • No airport lounge access or travel insurance benefits
  • Reward rate is relatively low for non-transit spends
  • City-specific variants limit utility if you move between metros

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

Choose ICICI Bank Unifare Credit Card if

Saves time with auto-recharge and money with direct fare discounts in Delhi, Mumbai, or Bangalore.

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 Unifare Credit Card or Axis Bank My Zone Credit Card?
Axis Bank My Zone Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Unifare Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Unifare Credit Card and Axis Bank My Zone Credit Card?
ICICI Bank Unifare Credit Card has an annual fee of ₹299, while Axis Bank My Zone Credit Card has an annual fee of ₹500. ICICI Bank Unifare Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: ICICI Bank Unifare Credit Card or Axis Bank My Zone Credit Card?
ICICI Bank Unifare Credit Card offers a base reward rate of 0.25%. 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 Unifare 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 Unifare 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 Unifare Credit Card or Axis Bank My Zone Credit Card?
For beginners, ICICI Bank Unifare Credit Card may be more approachable with a lower annual fee of ₹299. However, evaluate based on your expected spending pattern rather than fee alone.

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