Skip to main content

Axis Bank My Zone Easy Credit Card VS RBL Bank Monthly Treats 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.
Verified
Last updated: 18 July 2026

Both Axis Bank My Zone Easy Credit Card and RBL Bank Monthly Treats Credit Card suit dining-focused spenders, but they earn and cost differently. Axis Bank My Zone Easy Credit Card costs ₹500 + GST and earns 4 Edge Reward Points on domestic spends for every Rs. 200 spent. RBL Bank Monthly Treats Credit Card costs ₹50 + GST and earns up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline. Axis Bank My Zone Easy Credit Card also brings assured approval for the credit card upon application. If premium spending matters more, go with Axis Bank My Zone Easy Credit Card; if shopping is the priority, RBL Bank Monthly Treats Credit Card fits better.

Axis Bank My Zone Easy Credit Card
Axis Bank My Zone Easy Credit Card
RBL Bank Monthly Treats Credit Card
RBL Bank Monthly Treats Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹50 + GST
Renewal Fee₹500 + GST
Renewal Fee₹50 + GST
Spend Based Waiver
Spend Based WaiverMonthly membership fee of INR 50 is waived if you spend INR 3,000 or more in the previous month.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5% on the conversion amount.
Interest Rate (APR)3.75% Per Month (55.55% Yearly).
Interest Rate (APR)3.99% per month (47.88% per annum).

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn 4 Edge Reward Points on every ₹200 spent on domestic transactions.
Rewards RateEarn 1 Reward Point for every INR 100 spent offline, 2 Reward Points for every INR 100 spent online.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeINR 99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInstant savings up to 15% on flights & hotels via Goibibo and Makemytrip on Wednesdays.
Travel Benefits10% cashback on Uber spends, capped at INR 300 per month. Redemption for air travels & hotel bookings.
Movie Benefits25% cashback on online and Box office movie ticket bookings. Max cashback per year is ₹1,000.
Movie Benefits10% instant discount up to INR 300 per month on BookMyShow, applicable once a month.
Dining BenefitsMinimum 15% discount on dining under Axis Bank’s Dining Delights program at partner restaurants.
Dining Benefits10% cashback on Zomato spends, capped at INR 300 per month.
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 waiver on transactions between INR 500 to INR 4,000, max INR 100 per month.

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% on withdrawal amount, subject to a minimum charge of INR 300.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank My Zone Easy Credit Card

RBL Bank Monthly Treats 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 RBL Bank Monthly Treats Credit Card is an entry-level credit card tailored for millennials and digital-first spenders. It offers accelerated reward points on online purchases and significant cashback on popular brands like Zomato, Myntra, and Uber. Cardholders can also enjoy monthly milestone benefits on groceries, Swiggy, and BookMyShow, alongside annual vouchers for higher spending. While it provides a monthly fee waiver, it's important to note that RBL Bank is no longer accepting new applications for this card.

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.

Earn accelerated reward points on all your online purchases.

Enjoy diverse cashback opportunities on popular brands like Zomato, Myntra, and Uber.

Benefit from a monthly fee waiver by meeting an achievable spending threshold.

Unlock valuable milestone vouchers from top brands on reaching annual spend targets.

Get a convenient 1% fuel surcharge waiver on eligible transactions.

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.

Incurs a monthly membership fee, though it can be waived with spending.

A fee is charged for each reward point redemption request.

High interest rates apply if you carry over outstanding balances.

Certain merchant categories are explicitly excluded from earning card benefits.

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 RBL Bank Monthly Treats Credit Card(opens in new tab)