Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs HDFC Bharat Cashback Credit Card vs slice credit card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, HDFC Bharat Cashback Credit Card, slice credit card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank My Zone Credit Card
Axis Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
slice credit card
Slice
Your adjusted comparison
| Feature | Axis Bank My Zone Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,130/yr | ₹3,240/yr | ₹3,240/yr |
| Groceries (offline) | — | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo | — | — |
| Fuel | — | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Utilities & bills | — | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 4% | 5% cashback | 1% |
| Primary reward cap | ₹400 rewards/mo cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site | None | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet loads · Insurance | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-hdfc-bharat-vs-slice-credit-cardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of slice credit card by about ₹0/yr.
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 | Axis Bank My Zone Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,130/yr | ₹3,240/yr | ₹3,240/yr |
| Groceries (offline) | — | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo | — | — |
| Fuel | — | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Utilities & bills | — | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 4% | 5% cashback | 1% |
| Primary reward cap | ₹400 rewards/mo cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site | None | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet loads · Insurance | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹3,240/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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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