Choosing which credit card to apply for can be a difficult decision. One has to consider their own expenses and align them with the benefits offered by various credit cards. Things get even more complicated when both the cards are offered as lifetime free, and the same bank offers both. Such is the issue between the popular Axis Bank Neo and My Zone Credit Card. Both of these cards are now offered as lifetime free (limited time period offer), and both bring enormous savings and rewards to the table.

Axis Bank My Zone Vs Neo Credit Card Although there are hundreds of premium and basic credit cards in the market, most people are attracted to a card that provides maximum benefits with minimum charges. When talking about such credit cards, which come with zero annual fees and provide exclusive benefits over different categories, two of the Axis Bank Credit Cards, including the Axis Bank My Zone Credit Card & Axis Bank Neo Credit Card, can be considered among the best options. Both cards offer exciting privileges across a wide range of categories.

This article by CardInsider aims to solve any confusion faced by someone who is looking to apply for these cards, along with clarifying in depth the benefits offered by these credit cards.

Comparison Between My Zone and Neo Credit Card

Have a look at all the major features, discounts, and benefits offered by the Neo and My Zone Axis Bank Credit Cards.

Features My Zone Credit Card Neo Credit Card
Fees Lifetime Free Lifetime Free
Welcome Benefits SonyLiv Annual Subscription 100% Cashback up to ₹300 on Your First Utility Bill Payment
Reward Point Earning 4 EDGE Reward Points/₹200 1 EDGE Reward Points/₹200
Free Domestic Lounge Access 1 Complimentary Lounge Access Every Quarter (4 Each Year) N/A
Food Offers ₹2880 Discount (Annually, 120 Per Order) on Food Orders With Swiggy ₹2880 Discount (Annually, 120 Per Order) on Food Orders With Zomato
Movie Offers BOGO Offers on Paytm Movies Discounts of up to ₹1200 Each Year With BookMyShow
Discounts on Fashion/Clothing Platforms Up to ₹1,000 off on Purchases Made on Ajio (Minimum Spend of ₹2,999) 10% Discount on Myntra on a Minimum Purchase of ₹500

Apply Now

Lifetime Free Axis Bank Credit Cards

The Axis Bank Neo and My Zone Credit Card are both lifetime free. There are no joining or annual charges associated with these cards. Customers can avail of all the benefits offered by these cards without paying anything from their pockets. Check out the other fees associated with these cards in the table below.

Other Charges My Zone Credit Card Neo Credit Card
Add-On Credit Card Fees Nil Nil
Credit Card Replacement Fees Nil Nil
Interest Charges 3.6% Per Month 3.6% Per Month
Forex Charges 3.5% 3.5%

What’s the Verdict?

After reviewing both these credit cards offered by Axis Bank, we found both to be useful and rewarding, each in its own unique way. In our opinion, the Axis Bank My Zone Credit Card is clearly the better choice. Whether it’s the reward points earned, free airport lounge access, or higher joining benefits, the My Zone Credit Card is the best lifetime credit card you can opt for.

Both these cards offer discounts and offers on different brands; the Neo Card offers discounts with BookMyShow, and the MyZone Card offers movie benefits through Paytm. Entertainment, food, shopping, and bill payments both cards offer so much to customers and are worth having in your wallet, especially since they are offered as lifetime free credit cards.

What’s More?

The My Zone Credit Card has a higher Reward Rate on all retail spends, but on the other hand, the Neo Credit Card offers cashback on utility bill payments, and mobile recharges, which is not offered by the My Zone Card. People who spent more on bill payments and recharges might find the Neo Card a better option, while others might like the My Zone Card.

So, you need to find out your requirements and then compare these two cards, keeping all the factors in mind. After comparing them, go with a card that fulfills most of your needs with minimum charges.

Apply now for your Axis Bank Lifetime Free Credit Card with CardInsider.

Apply Now

Write A Comment