Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs HSBC TravelOne Credit Card vs Kotak League Platinum
Honest side-by-side comparison of Axis Bank My Zone Credit Card, HSBC TravelOne Credit Card, Kotak League Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank My Zone Credit Card ranks first for estimated net annual value — ahead of Kotak League Platinum by about ₹3,380/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | HSBC TravelOne Credit Card HSBC | Kotak League Platinum Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | Lifetime free |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Lifetime free |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹4,549/yr | ₹590/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 4% | 3X points | 2 RP/₹150 |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank My Zone Credit Card leads with an estimated ₹3,970/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.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank My Zone Credit Card
Axis Bank
HSBC TravelOne Credit Card
HSBC
Kotak League Platinum
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone Credit Card Axis Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC | Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | Lifetime free |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Lifetime free |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹4,549/yr | ₹590/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 4% | 3X points | 2 RP/₹150 |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-hsbc-travelone-vs-kotak-league-platinumMore Axis Bank My Zone Credit Card comparisons
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