What are the annual fees for Airtel Axis Bank Credit Card and Axis My Zone Credit Card?

Airtel Axis Bank Credit Card has ₹500 + GST. Axis My Zone Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Airtel Axis Bank Credit Card earns about 1% on general spends; Axis My Zone Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Airtel Axis Bank Credit Card: 3.5%. Axis My Zone Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Airtel Axis Bank Credit Card: none specified. Axis My Zone Credit Card: yes — see the lounge row above for limits.

Card Comparison

Airtel Axis vs Axis My Zone

Airtel Axis vs Axis My Zonecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Airtel Axis Bank

Axis Bank

Fee₹500+GST

Eff. rate1%

CapCategory

Fee

₹500+GST

Eff. rate

Cap

How they compare

Airtel Axis and Axis My Zone suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 25% on Airtel vs 0.4% flat. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Airtel Axis

Annual fee: ₹500 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Airtel (up to 25%)
Direct cashback — nothing to redeem
No monthly reward cap

Axis My Zone

Annual fee: ₹500 + GST
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

49 specs · 13 sections

Airtel Axis Bank

Axis My Zone

Feature

Airtel Axis Bank

Axis My Zone

Annual Fee

₹500

Joining Fee

Free

₹500

Fee Waiver Spend

₹2,00,000

N/A

Forex Markup

3.5%

Reward Type

Cashback

Reward Points

Base Rate

0.4%

Online Rate

—

Offline Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹1

₹0.2

Redemption Quality

HIGH

LOW

Best Redemption

₹1

₹0.4

Worst Redemption

₹1

₹0.2

Airtel

25%

—

Blinkit

10%

—

District

10%

—

Eazydiner

—

15%

Swiggy

—

24%

Zomato

10%

—

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

10%

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

Category caps apply

No cap

Est. Annual Cap

Category caps apply

No cap

Total Excluded

8 categories

10 categories

Cinema / Movie Theatres

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

₹1,760

Forex Markup

3.5%

Description

Amazon e-voucher worth ₹250 on first transaction within 30 days of card issuance

Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance

Estimated Value

₹250

₹999

Fuel Surcharge Waiver

Yes

Best Suited For

Utility Bills, Airtel Services

Movies, Shopping, Food

Min Income

₹15,000/month

Not specified

Income Proof

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa

Visa, Mastercard

Card Tier

Classic

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Airtel Axis Bank Credit Card and Axis My Zone Credit Card?: Airtel Axis Bank Credit Card has ₹500 + GST. Axis My Zone Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Airtel Axis Bank Credit Card earns about 1% on general spends; Axis My Zone Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Airtel Axis Bank Credit Card: 3.5%. Axis My Zone Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Airtel Axis Bank Credit Card: none specified. Axis My Zone Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Airtel Axis · Axis Bank - Axis My Zone