Flipkart Axis Bank Credit Card vs Axis Bank My Zone Credit Card

One of the best entry-level cards in India, the Axis Bank My Zone charges a joining fee of Rs. 500 and offers a complimentary Sony LIV subscription as a welcome benefit. You get a decent reward rate where you can earn 4 RPs per Rs. 200 spent with the card, along with various other features, including domestic lounge access, movie and dining benefits, fuel surcharge waiver, exclusive discounts on popular brands, and more.

The Flipkart Axis Bank credit card is perfect for loyal Flipkart customers and has become one of India’s most in-demand cashback cards. With the card, you can get an exclusive 5% cashback on Flipkart and cashback on partner brands like Uber, Swiggy, PVR, etc. The card has a nominal fee of Rs. 500 and offers domestic lounge access, movie and dining benefits, etc., to the cardholder. The card is one of the best shopping, cashback, as well as co-branded cards in the market.

In the following article, we will talk about the features and benefits, fees and charges, and other information about both these cards. We will compare both these cards and check out which is the better option out of the two.

Axis Bank My Zone Credit Card

The Axis Bank My Zone credit card has multiple features and benefits for the cardholder. It charges a nominal joining fee of Rs. 500 but offers various privileges that include movie and dining benefits, domestic airport lounge access, and 4 RPs per Rs. 200 spent with the card. You can get BOGO offers on Paytm Movies ticket booking, milestone benefits, fuel surcharge waiver, and more. You even get exclusive discounts on popular brands like Ajio.

The following are the features and benefits associated with the Axis Bank My Zone credit card –

Welcome Benefit

Get a complimentary premium, annual membership of Sony LIV worth Rs. 999 as a welcome benefit. To claim the benefit, make a transaction with the card within one month of card issuance.

Reward Earning Rate

Earn 4 EDGE RPs per Rs. 200 spent with the card. Wallet reloads, fuel, movies, education, EMI spends, and government spends do not earn edge reward points.

Reward Redemption

The reward points earned by you can be redeemed against travel, shopping vouchers, etc., at the Edge Rewards portal, where 1 RP = Rs. 0.20

Milestone Benefit

On spending Rs. 1.5 Lakhs or more in the card anniversary year, the complimentary Sony LIV membership is renewed. The voucher is sent within 60 days after you pay the renewal fee of the card.

Travel Benefit

Get 1 complimentary domestic lounge access per quarter at select airports across India.

Movie and Dining Benefits

• Get a 15% discount, up to Rs. 500, on a minimum order value of Rs. 2500 through the EazyDiner program.
• Get flat Rs. 120 off on Swiggy food orders. Offer applicable on minimum spends of Rs. 500. 
• Get a BOGO offer on Paytm Movies ticket bookings, with a maximum benefit of Rs. 200 per month.

Discounts on AJIO

• Flat Rs. 1,000 discount on minimum spends of Rs. 2999 on Ajio purchases
• Use Coupon code AJIOAXISMZ.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver at fuel stations across India for transactions between Rs. 400 and Rs. 4000, with the maximum benefit capped at Rs. 400 per month.

Fees and Charges

The following are the fees and charges associated with the credit card –

• The card comes at a joining and annual fee of Rs. 500 plus taxes.
• The card charges an interest rate of 3.6% per month or 52.86% per annum.
• The card charges a forex markup fee of 3.5% of the transaction amount.
• The card charges a cash advance fee of 2.5% of the amount or a minimum of Rs. 500.

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Flipkart Axis Bank Credit Card

The Flipkart Axis Bank credit card charges a joining fee of Rs. 500 plus taxes and is among the best cashback cards in India. If you are a regular Flipkart customer, then you can get 5% cashback on all spends made on it. You also get cashback on various popular merchants like Uber, Swiggy, PVR, etc. The card even offers domestic lounge access, dining benefits, movie benefits, and more.

The following are the features and benefits associated with the card –

Welcome Benefit

Welcome benefits worth Rs. 600 on credit card issuance, including Rs. 500 worth of Flipkart vouchers and a 50% discount up to Rs. 100 on your first transaction on Swiggy (Use Code AXISFKNEW”).

Cashback Rate

Get 5% cashback on Flipkart spends and 4% cashback on partner brands like cult.fit, Swiggy, PVR, Uber, Tata Play, PVR and Cleartrip. You also get 1.5% cashback on other offline and online spends, including Myntra. Fuel spends, insurance, utilities, rent, EMI spends, gift cards, gold items, cash advances, etc. do not accrue cashback.

Movie and Dining Benefits

• Up to 20% discount at partner restaurants with the Axis Bank Dining Delights program
• Accelerated 4% cashback on PVR movie ticket bookings

Travel Benefit

• Get 4 complimentary domestic lounge access at select airports in the country.
• Accelerated 4% cashback on your Uber rides

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver at fuel outlets across the country on transactions between Rs. 400 to Rs. 4000. The maximum benefit is capped at Rs. 400 per month.

Fees and Charges

The following are the fees and charges associated with the card –

• The card charges a joining and annual fee of Rs. 500 that can be waived on spending Rs. 2 Lakhs in the previous year.
• The card charges an interest rate of 3.65% per month and 52.86% per annum.
• The forex markup fee on the card is 3.5% of the transaction amount.
• The cash advance fee on the card is 2.5% of the amount, or Rs. 500.

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Compare Features of Flipkart Axis Bank Credit Card & Axis Bank My Zone Credit Card 

The following table features a side-by-side comparison of the credit cards –

Category	Flipkart Axis Bank Credit Card	Axis Bank My Zone Credit Card
Joining/Annual Fees	Rs. 500 plus taxes	Rs. 500 plus taxes
Welcome Benefits	Welcome benefits worth Rs. 600 with the card	Complimentary Sony LIV premium subscription worth Rs. 999
Reward Earning	5% cashback on Flipkart & 4% cashback on preferred partners like PVR, Swiggy, cult.fit, Uber, etc.	4 RPs per Rs. 200 spent on the card
Reward Redemption	Cashback is credited automatically to the cardholder’s account	RPs can be redeemed against a host of products, vouchers, and other choices at the Edge Rewards portal
Movie and Dining Benefits	Up to 20% discount at partner restaurants with the Axis Bank Dining Delights program. Accelerated 4% cashback on PVR cinemas	BOGO offer on Paytm Movies ticket booking 20% off at partner restaurants with the Dining Delights program
Travel Benefits	4 complimentary domestic lounge access per year. Accelerated 4% cashback on Uber rides	1 Complimentary domestic lounge access per quarter
Renewal Fee Waiver	Renewal fee is waived on spending Rs. 2 Lakhs or more in the card anniversary year	NA

Conclusion

Both the Flipkart Axis Bank and the Axis Bank My Zone credit card have a joining fee of Rs. 500 plus taxes and are great options for anyone new to the credit card scene. With the My Zone credit card, you get 4 RPs on your spends along with exclusive movie and dining benefits for a better lifestyle. You also get complimentary domestic lounge access per quarter with the card.

However, if you are someone who loves online shopping from Flipkart, then there is no better option than the Flipkart Axis Bank credit card in the market. Apart from exclusive cashback on Flipkart, you even get cashback on many popular partner brands. Even this card offers domestic lounge access, dining discounts, annual fee waivers, and more.

Out of these two choices, we recommend you go for the Flipkart Axis Bank credit card because of its cashback rate on popular merchants and other exclusive privileges.