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Axis Bank ACE Credit Card VS Axis My Zone Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both Axis Bank ACE Credit Card and Axis My Zone Credit Card suit dining-focused spenders, but they earn and cost differently. Axis Bank ACE Credit Card costs ₹499 + GST and earns 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. Axis My Zone Credit Card costs ₹500 + GST and earns 4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20. Axis Bank ACE Credit Card also brings 4 complimentary airport lounge visits to select domestic airport lounges per calendar year, while Axis My Zone Credit Card counters with 1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months. If utilities spending matters more, go with Axis Bank ACE Credit Card; if movies is the priority, Axis My Zone Credit Card fits better.

Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
Axis My Zone Credit Card
Axis My Zone Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverJoining fee waived on ₹10,000 spend in 45 days. Annual fee waived on ₹2,00,000 annual spend.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.

Rewards & Benefits

Welcome Bonus
Welcome BonusComplimentary SonyLiv Premium annual subscription worth ₹1,499 after first transaction.
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Rewards Rate4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
Domestic Lounge Access1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months.
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits1 complimentary domestic airport lounge access per quarter on meeting spend criteria.
Movie Benefits
Movie BenefitsBOGO movie tickets via District app (up to ₹200/month) & complimentary SonyLiv Premium annual subscription.
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Dining BenefitsFlat ₹120 off on Swiggy (twice/month) & 15% off via EazyDiner (up to ₹500/month).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, capped at ₹400/month. Applicable on UPI.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank ACE Credit Card

Axis My Zone Credit Card

Who is it for?

The Axis Bank ACE Credit Card, in partnership with Google Pay and Visa, is an entry-level cashback card ideal for young professionals. It offers high cashback on utility bills and mobile recharges via Google Pay, and on platforms like Swiggy, Zomato, and Ola. Cardholders also enjoy complimentary domestic airport lounge access, making it a versatile everyday companion for accelerated rewards.

Who is it for?

The Axis My Zone Credit Card is an entry-level offering by Axis Bank, designed for individuals who frequently spend on movies, shopping, and food. It stands out with a complimentary SonyLiv Premium annual subscription, attractive movie and dining offers, and complimentary domestic airport lounge access, all available for a nominal fee.

Pros

Key benefits and features.

High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.

Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.

No maximum capping on the regular 1.5% cashback earned on all other spends.

Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.

Pros

Key benefits and features.

Enjoy a complimentary SonyLiv Premium annual subscription, adding significant entertainment value.

Benefit from attractive Buy One Get One movie ticket offers, saving up to ₹2,400 annually.

Get substantial dining discounts on Swiggy and through EazyDiner, enhancing your food experiences.

Receive 1 complimentary domestic airport lounge access per quarter, making travel more comfortable.

The card has a low joining and annual fee, making it an accessible entry-level option.

Cons

Key drawbacks and limitations.

No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.

The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.

Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.

Cons

Key drawbacks and limitations.

Reward points are not earned on movie, fuel, wallet, insurance, education, and utility spends.

Domestic lounge access requires a minimum spend of ₹50,000 in the previous three months.

The general reward rate of 0.4% is relatively low compared to other credit cards.

High foreign currency markup of 3.5% makes international transactions expensive.

A rewards redemption fee of ₹99 + GST is charged for redeeming points.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank ACE Credit Card(opens in new tab)Apply for Axis My Zone Credit Card(opens in new tab)