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Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno 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.

HDFC Bank

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
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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

FeaturePhonePe HDFC Bank Uno Credit CardAxis Bank My Zone Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0%0.2%
Reward CurrencyCashPointsEDGE Reward Points
NetworkRuPayVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

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

PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card if

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

Choose Axis Bank My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: PhonePe HDFC Bank Uno Credit Card or Axis Bank My Zone Credit Card?
PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card and Axis Bank My Zone Credit Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while Axis Bank My Zone Credit Card has an annual fee of ₹500. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or Axis Bank My Zone Credit Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. Axis Bank My Zone Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both PhonePe HDFC Bank Uno Credit Card and Axis Bank My Zone Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno 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: PhonePe HDFC Bank Uno Credit Card or Axis Bank My Zone Credit Card?
For beginners, PhonePe HDFC Bank Uno Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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