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

Axis My Zone Credit Card has ₹500 + GST. Flipkart Axis Bank 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?

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

What is the forex markup on each card?

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

Do both cards include airport lounge access?

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

Card Comparison

Axis My Zone vs Flipkart Axis

The key difference: 1% effective rate vs 0.4%. Axis My Zone vs Flipkart Axiscompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis My Zone

Axis Bank

Fee₹500+GST

Eff. rate0.4%

CapNone

Fee

₹500+GST

Eff. rate

0.4%

Cap

None

Flipkart Axis Bank

Axis Bank

Fee₹500+GST

Eff. rate1%

CapNone

Fee

₹500+GST

Eff. rate

Cap

None

Quick take

How they compare

Axis My Zone and Flipkart Axissuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis My Zone

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

Notable strengths

No monthly reward cap

Flipkart Axis

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

Notable strengths

Bonus rewards on Myntra (up to 7.5%)
Direct cashback — nothing to redeem
No monthly reward cap

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

53 specs · 13 sections

Axis My Zone

Flipkart Axis Bank

Feature

Axis My Zone

Flipkart Axis Bank

Annual Fee

₹500

Joining Fee

₹500

Free

Fee Waiver Spend

N/A

₹3,50,000

Forex Markup

3.5%

Reward Type

Reward Points

Cashback

Base Rate

0.4%

Online Rate

—

Offline Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹0.2

₹1

Redemption Quality

LOW

HIGH

Best Redemption

₹0.4

₹1

Worst Redemption

₹0.2

₹1

Amazon

—

Amazon Pay

—

Amazon Prime

—

Cleartrip

—

Cultfit

—

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

10 categories

9 categories

Cinema / Movie Theatres

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

—

Forex Markup

3.5%

Description

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

₹250 Flipkart voucher on first transaction within 30 days

Estimated Value

₹999

₹200

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Shopping, Food

Shopping

Min Income

Not specified

Income Proof

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa, Mastercard

Visa

Card Tier

Entry

Classic

Still weighing your options?

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Frequently asked questions

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

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

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