Axis Bank My Zone Credit Card vs HDFC Bank MoneyBack+ Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹500
Max Reward5%
HDFC BankScoreGood
Annual Fee₹500
Max Reward2%
Axis Bank My Zone Credit Card leads overall with a CardCheck Score of 72/100 (+8 pts over HDFC Bank MoneyBack+ Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs HDFCReward Power
35%Axis34/35
HDFC24/35
Axis Wins
Fee Value & ROI
25%Axis22/25
HDFC24/25
HDFC Wins
Lounge & Travel
20%Axis4/20
HDFC4/20
Tie (4/20)
Forex & Access
20%Axis12/20
HDFC12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 72Best
- 64
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 22/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- RuPay
- Visa
- Card type
- Regular
- Regular
- Best for
- Dining and Entertainment
- Online Shopping
03—Fees
- Joining fee
- FreeBest
- ₹500
- Annual fee
- ₹500
- ₹500
- Fee waiver
- —
- ₹50,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 41.4%Best
- 42%
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.25%Best
- 1%
- Max rate
- 5%Best
- 2%
- Points / ₹100
- 2
- —
- Point value
- ₹0.2
- ₹0.3
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹25,000
- Invite only
Rows won
05of 06
01of 06
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 72Best | 64 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 22/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | RuPay | Visa |
| Card type | Regular | Regular |
| Best for | Dining and Entertainment | Online Shopping |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹500 |
| Annual fee | ₹500 | ₹500 |
| Fee waiver | — | ₹50,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 41.4%Best | 42% |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.25%Best | 1% |
| Max rate | 5%Best | 2% |
| Points / ₹100 | 2 | — |
| Point value | ₹0.2 | ₹0.3 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹25,000 |
| Invite only | ||
| Rows won | 05of 06 | 01of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank My Zone Credit Card | HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
| CardCheck Score | 72/100Very Good | 64/100Good |
| Annual Fee | ₹500 | ₹500 |
| Fee Waiver Spend | No waiver | ₹50,000/yr |
| Max Reward Potential | 5% | 2% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank My Zone Credit Card if:
Your spending centers around dining and entertainment and you want direct partner rewards with Axis Bank.
Choose HDFC Bank MoneyBack+ Credit Card if:
Your spending aligns with online shopping and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for Axis Bank My Zone Credit Card
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Frequently asked questions: Axis Bank My Zone Credit Card vs HDFC Bank MoneyBack+ Credit Card
- Which is better: Axis Bank My Zone Credit Card or HDFC Bank MoneyBack+ Credit Card?
- Axis Bank My Zone Credit Card holds a higher overall rating with a CardCheck Score of 72/100 (Very Good) compared to 64/100 (Good) for HDFC Bank MoneyBack+ Credit Card (a lead of +8 points). Axis Bank My Zone Credit Card gains its scoring lead primarily through reward potential (34 vs 24) while tying on lounge & travel privileges and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank My Zone Credit Card charges an annual fee of ₹500 with no official annual spend waiver milestone for renewal fee waiver. In comparison, HDFC Bank MoneyBack+ Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000.
- How do the reward rates and cashback compare between Axis Bank My Zone Credit Card and HDFC Bank MoneyBack+ Credit Card?
- Axis Bank My Zone Credit Card offers a base reward rate of 1.25% and up to 5% on accelerated partner categories. Meanwhile, HDFC Bank MoneyBack+ Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank My Zone Credit Card or HDFC Bank MoneyBack+ Credit Card?
- Axis Bank My Zone Credit Card provides no complimentary airport lounge access. On the other hand, HDFC Bank MoneyBack+ Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank My Zone Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Bank MoneyBack+ Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).