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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.

Features

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
₹999 + GST
Nil
Renewal Fee
₹500 + GST
₹999 + GST
Nil
Spend Based Waiver
Not applicable.
The annual fee is waived if you spend more than INR 200,000 per year.
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
Foreign Transaction Fees
3.5% of the total transaction amount.
3.5%
3.5% of the Transaction Amount
Interest Rate (APR)
3.75% per month (55.55% yearly) on outstanding balances. Free credit up to 50 days.
3.75% Per Month
3.83% Monthly and 46% Annually

Rewards & Benefits

Welcome Bonus
Assured approval for the credit card upon application.
INR 1,000 cashback on INR 20k spend, up to INR 500 vouchers on activation, and INR 250 Amazon eGift Voucher.
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
Rewards Rate
Earn 4 Edge Reward Points on domestic spends for every Rs. 200 spent.
10% cashback on dining, food delivery & groceries (capped at INR 1,000/month); 1.5% unlimited on others.
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
Reward Type
Reward Points
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil
INR 100

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Enjoy 4 complimentary domestic airport lounge visits per year, with a limit of one visit per quarter.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Complimentary domestic flight seat selections (2/year) & 15% cashback on MakeMyTrip hotel stays.
Not Applicable
Movie Benefits
Get 25% cashback on online and box office movie ticket purchases all week. Capped at Rs. 1,000 annually.
Buy 2 Get 1 Free on BookMyShow (max INR 250), 1.5% cashback on entertainment, BOGO via District app.
Not Applicable
Dining Benefits
Minimum of 15% off at partner restaurants in India with Axis Bank Dining Delights.
10% cashback on dining/food delivery (capped), 15% off on EazyDiner, 10% off via District app.
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions (Rs. 400-Rs. 4,000), capped at Rs. 400 per cycle.
1% fuel surcharge is applicable.
1% waiver across all fuel stations; GST on fuel surcharge is applicable.

Security & Other

Insurance Benefits
Not Applicable
Get an insurance cover worth INR 300,000 against misuse of the card (Zero Liability Protection).
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
Cash Advance Charges
2.5% of withdrawn amount, minimum Rs. 500.
2.5% of the withdrawn amount, subject to a minimum amount of INR 500.
2.5% of the Amount or a Minimum of INR 300
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 offering against a fixed deposit, designed for individuals to build their credit history with guaranteed approval. It provides substantial benefits like 25% cashback on movie tickets, 15% dining discounts, and a 1% fuel surcharge waiver. This card is an excellent choice for new-to-credit users looking for a secure way to establish a strong financial foundation.

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 Bank Platinum Credit Card is a lifetime-free card designed for dining enthusiasts, offering significant discounts and rewards at premium restaurants. It provides guaranteed savings via EazyDiner Prime membership and additional instant discounts on payments. Ideal for frequent diners and youngsters, this card ensures an enhanced dining experience with competitive reward points and milestone benefits. Though focused on dining, it delivers excellent value without any recurring fees.

Pros

Key benefits and features.

Guaranteed approval and minimal documentation make it accessible for credit building.

Excellent for new-to-credit users to establish a strong credit score effectively.

Enjoy significant savings with 25% cashback on movies and 15% off on dining.

Benefit from a 1% fuel surcharge waiver and up to 50 days interest-free credit.

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 with zero joining and renewal fees, making it highly accessible.

Offers significant dining savings with guaranteed discounts via EazyDiner Prime.

Additional instant 20% off on PayEazy for enhanced dining value and savings.

Earn competitive Reward Points and 2X EazyPoints on most spending categories.

Milestone benefits enable renewal of Prime membership and extra reward points.

Cons

Key drawbacks and limitations.

Requires a fixed deposit of Rs. 20,000 or more with Axis Bank.

Benefits are fewer compared to unsecured credit cards available in the market.

Interest rates are high if balances are not paid in full by the due date.

Rewards points are not earned on fuel or movie offer transactions where cashback is availed.

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.

The EazyDiner IndusInd Bank Platinum Card lacks benefits for travel or lounge access.

Fuel transactions do not earn any Reward Points, limiting overall reward potential.

A rewards redemption fee of INR 100 is charged for redeeming points.

Additional 20% dining discount is capped at 3 usages per calendar month.

Reward points earned on the card have a limited validity of just one year.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.