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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.

Features

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
₹50 + GST
Renewal Fee
₹500 + GST
₹600 + GST
Spend Based Waiver
Not applicable.
Monthly fee waived on spending ₹3,000 or more in the previous month.
Foreign Transaction Fees
3.5% of the total transaction amount.
3.5% on international transactions.
Interest Rate (APR)
3.75% per month (55.55% yearly) on outstanding balances. Free credit up to 50 days.
3.99% per month (47.88% per annum).

Rewards & Benefits

Welcome Bonus
Assured approval for the credit card upon application.
Rewards Rate
Earn 4 Edge Reward Points on domestic spends for every Rs. 200 spent.
Up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 per redemption request for RBL Monthly Treats Card.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
Not Applicable
Movie Benefits
Get 25% cashback on online and box office movie ticket purchases all week. Capped at Rs. 1,000 annually.
10% off/cashback on BookMyShow transactions.
Dining Benefits
Minimum of 15% off at partner restaurants in India with Axis Bank Dining Delights.
10% off/cashback on Zomato and Swiggy spends.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions (Rs. 400-Rs. 4,000), capped at Rs. 400 per cycle.
1% waiver on fuel (₹500-₹4000 trans), max ₹100/month.

Security & Other

Insurance Benefits
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum Rs. 500.
2.5% of withdrawal amount, min. ₹300.
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 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 RBL Bank Monthly Treats Credit Card is an entry-level option tailored for millennials, offering attractive rewards and cashbacks on everyday online and offline spending. It provides benefits on groceries, dining (Swiggy), movies (BookMyShow), and utility bill payments, alongside a fuel surcharge waiver. With a spend-based monthly fee waiver, this card is ideal for those seeking to maximize savings on common expenditures and begin their credit journey.

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.

Rewards structure well-suited for millennial spending habits on everyday expenses.

Significant reward points accumulation on online shopping, maximizing digital savings.

Attractive monthly milestone cashbacks on groceries, entertainment, and utility bills.

Excellent entry-level credit card for individuals embarking on their credit journey.

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.

Card incurs a monthly fee of ₹50 + GST, requiring consistent spending for waiver.

Lack of specific welcome benefits might be a drawback for new cardholders.

A redemption fee of ₹99 applies per reward point redemption request.

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

Relatively high interest rate of 3.99% per month on outstanding balances.

Ready to Choose?

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