Side-by-side · honest numbers
Amex Membership Rewards CC vs Axis Bank My Zone Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, Axis Bank My Zone Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Amex Membership Rewards CC
American Express
Axis Bank My Zone Credit Card
Axis Bank
Your adjusted comparison
| Feature | Amex Membership Rewards CC American Express | Axis Bank My Zone Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,194/yr | ₹3,130/yr |
| Dining & delivery | — | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo |
| Top reward rate | 2 RP/₹150 | 4% |
| Primary reward cap | No monthly cap published | ₹400 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-axis-my-zoneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank My Zone Credit Card leads Amex Membership Rewards CC by about ₹7,324/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Amex Membership Rewards CC American Express | Axis Bank My Zone Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,194/yr | ₹3,130/yr |
| Dining & delivery | — | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo |
| Top reward rate | 2 RP/₹150 | 4% |
| Primary reward cap | No monthly cap published | ₹400 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank My Zone Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank My Zone Credit Card leads with an estimated ₹3,130/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank My Zone Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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