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Axis Bank My Zone Easy Credit Card VS HSBC Live+ Credit Card VS EazyDiner IndusInd Platinum Credit Card

A detailed, side-by-side look at 3 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

Comparing 3 cards side by side: Axis Bank My Zone Easy Credit Card, HSBC Live+ Credit Card, EazyDiner IndusInd Platinum Credit Card. Axis Bank My Zone Easy Credit Card costs ₹500 + GST and earns 4 Edge Reward Points on domestic spends for every Rs. 200 spent. HSBC Live+ Credit Card costs ₹999 + GST and earns 10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others. EazyDiner IndusInd Platinum Credit Card is lifetime-free and earns 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

Axis Bank My Zone Easy Credit Card
Axis Bank My Zone Easy Credit Card
HSBC Live+ Credit Card
HSBC Live+ Credit Card
EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹999 + GST
Joining FeeLifetime Free
Renewal Fee₹500 + GST
Renewal Fee₹999 + GST
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverThe annual fee is waived if you spend more than INR 200,000 per year.
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the Transaction Amount
Interest Rate (APR)3.75% Per Month (55.55% Yearly).
Interest Rate (APR)3.75% Per Month
Interest Rate (APR)3.83% Monthly and 46% Annually

Rewards & Benefits

Welcome Bonus
Welcome BonusINR 1,000 cashback on INR 20k spend, up to INR 500 vouchers on activation, and INR 250 Amazon eGift Voucher.
Welcome BonusEnjoy a 3-month EazyDiner Prime membership (INR 1,095 value) and receive 500 welcome bonus EazyPoints.
Rewards RateEarn 4 Edge Reward Points on every ₹200 spent on domestic transactions.
Rewards Rate10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Reward TypeReward Points
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeRs. 100

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessEnjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInstant savings up to 15% on flights & hotels via Goibibo and Makemytrip on Wednesdays.
Travel BenefitsComplimentary domestic flight seat selections (2/year) & 15% cashback on MakeMyTrip hotel stays.
Travel Benefits
Movie Benefits25% cashback on online and Box office movie ticket bookings. Max cashback per year is ₹1,000.
Movie BenefitsBuy 2 Get 1 Free on BookMyShow (max INR 250), 1.5% cashback on entertainment, BOGO via District app.
Movie Benefits
Dining BenefitsMinimum 15% discount on dining under Axis Bank’s Dining Delights program at partner restaurants.
Dining Benefits10% cashback on dining/food delivery (capped), 15% off on EazyDiner, 10% off via District app.
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, max ₹400/month. GST on surcharge non-refundable.
Fuel Surcharge Waiver1% fuel surcharge is applicable.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards.
Insurance BenefitsGet an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
Cash Advance Charges2.5% of the Amount or a Minimum of Rs. 300
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank My Zone Easy Credit Card

HSBC Live+ Credit Card

EazyDiner IndusInd Platinum Credit Card

Who is it for?

The Axis Bank My Zone Easy Credit Card is a secured credit card issued against a fixed deposit, designed for individuals to build their credit history. It offers guaranteed approval with minimal documentation. Key benefits include 25% cashback on movie tickets, a minimum 15% discount on dining, and a 1% fuel surcharge waiver. This card is ideal for those starting their credit journey who also enjoy entertainment and dining.

Who is it for?

The HSBC Live+ Credit Card is a mid-range cashback card ideal for daily essentials and entertainment. It offers 10% cashback on dining, food delivery, and groceries (capped monthly), plus 1.5% unlimited cashback on most other spends. Cardholders also enjoy valuable lifestyle perks like complimentary domestic airport lounge access and a free Times Prime subscription. This card provides substantial savings and convenience through its straightforward, automatic cashback system, making it perfect for those who prioritize hassle-free rewards on everyday spending.

Who is it for?

The EazyDiner IndusInd Platinum Credit Card is an entry-level, lifetime-free credit card designed for frequent diners. It offers significant savings with a guaranteed 25% discount on dining and an additional 20% off via the EazyDiner app. As a co-branded card with EazyDiner, it provides enhanced dining experiences without any joining or renewal charges, making it ideal for those prioritizing dining savings.

Pros

Key benefits and features.

Enjoy guaranteed approval for the Axis Bank My Zone Easy Credit Card against a fixed deposit.

An excellent choice for individuals looking to build or improve their credit history effectively.

Significant savings with 25% cashback on movie tickets, capped at ₹1,000 annually.

Benefit from a minimum 15% discount on dining at various partner restaurants across India.

Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped monthly.

Pros

Key benefits and features.

High cashback rates: 10% on dining, food delivery, and groceries, and 1.5% unlimited on most other spends.

Cashback is automatically credited to the card account, simplifying the redemption process.

Complimentary domestic airport lounge access (4 visits annually) enhances travel convenience.

Valuable lifestyle benefits such as a free 12-month Times Prime subscription and movie offers.

Annual fee waiver on achieving a reasonable spend milestone (INR 200,000 per year).

Pros

Key benefits and features.

Lifetime free status means no joining or annual fees, making it highly economical.

Guaranteed 25% dining discount plus an extra 20% off via EazyDiner app.

Welcome benefits include a 3-month EazyDiner Prime membership and 500 EazyPoints.

Milestone benefits offer Prime renewal and bonus Reward Points on quarterly spends.

"Total Protect" program provides comprehensive insurance cover against card fraud.

Cons

Key drawbacks and limitations.

Offers fewer features and benefits when compared to many unsecured credit card options.

Requires a fixed deposit as collateral, which might block a significant amount of funds.

Ambiguity regarding rewards redemption fee, which could lead to unexpected charges.

Cons

Key drawbacks and limitations.

The 10% accelerated cashback is capped at INR 1,000 per month, limiting high spenders.

Several transaction categories are explicitly excluded from cashback earnings like fuel and utilities.

A foreign currency markup of 3.5% makes it less competitive for international transactions.

A 1% fuel surcharge is applicable, reducing savings on fuel purchases.

Eligibility criteria include specific income and city residency requirements, limiting accessibility.

Cons

Key drawbacks and limitations.

Limited versatility as benefits are primarily focused on dining, lacking travel perks.

Reward points are not earned on fuel, insurance, rent, utility, and government payments.

Extra 20% dining discount is capped at 3 usages per month and has specific conditions.

Rewards redemption fee of Rs. 100 applies, reducing the overall value of points.

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

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 My Zone Easy Credit Card(opens in new tab)Apply for HSBC Live+ Credit Card(opens in new tab)Apply for EazyDiner IndusInd Platinum Credit Card(opens in new tab)