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Axis Neo vs Axis MY Zone
Which credit card is better for you? Fees, rewards & charges side by side.
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | Lifetime Free | ₹500 |
| Joining fee | FREE | ₹500 |
| Our rating | ★ 4.0 | ★ 3.8 |
| Rewards | Up to 10% off on partners | ≈0.5% value back + offers |
| Best for | Young users who order on Blinkit and Zomato and book movies | Entertainment lovers who want a low-fee card |
| Top benefits | 🛒 10% off Blinkit 🎬 10% off BookMyShow 🍔 ₹120 off Zomato | 📺 SonyLIV Premium 🎬 Buy 1 Get 1 🍽️ 15% off dining |
| Lounge access | None | 1 domestic/quarter (spend-linked) |
| Fee waiver | Lifetime free through select channels (standard fee ₹250/yr) | Renewal fee waived on ₹1.5 lakh yearly spend |
| Min. income | No minimum published | ₹3 lakh/year |
| Credit score | 700+ | 720+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month | 3.75%/month (45% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,200 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The Axis Neo Credit Card is lifetime free and gives Up to 10% off on partners. The Axis MY Zone Credit Card is ₹500 a year and gives ≈0.5% value back + offers. The Axis Neo is cheaper to keep. Our rating: Axis Neo ★ 4.0, Axis MY Zone ★ 3.8.
Choose…
- Axis Neo if you are: young users who order on Blinkit and Zomato and book movies. 10% off Blinkit up to ₹250/month · 10% off BookMyShow up to ₹100/month · ₹120 off Zomato twice a month.
- Axis MY Zone if you are: entertainment lovers who want a low-fee card. SonyLIV Premium 1 year free (₹1,499 value) · Buy 1 Get 1 movie tickets on District · 15% off dining Axis Dining Delights.
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