Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, IDFC FIRST HPCL Power+ Credit Card, Standard Chartered Smart Card — 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 Standard Chartered Smart Card by about ₹239/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | ₹3,360/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Top reward rate | 4% | 30 pts/₹150 | 2% cashback |
| Primary reward cap | ₹400 rewards/mo cap | ₹5,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
- 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
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Standard Chartered Smart Card
Standard Chartered
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 | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | ₹3,360/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Top reward rate | 4% | 30 pts/₹150 | 2% cashback |
| Primary reward cap | ₹400 rewards/mo cap | ₹5,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-my-zone-vs-idfc-hpcl-power-plus-vs-sc-smartMore Axis Bank My Zone Credit Card comparisons
- Axis Bank My Zone Credit Card vs 811 Dream Different Credit Card
- Axis Bank My Zone Credit Card vs AU Altura Credit Card
- Axis Bank My Zone Credit Card vs AU Zenith Credit Card
- Axis Bank My Zone Credit Card vs American Express Gold Card
- Axis Bank My Zone Credit Card vs American Express Platinum Travel Card
- Axis Bank My Zone Credit Card vs American Express SmartEarn Credit Card
- Axis Bank My Zone Credit Card vs Amex Membership Rewards CC
- Axis Bank My Zone Credit Card vs Axis Bank ACE Credit Card
- Axis Bank My Zone Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank My Zone Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank My Zone Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank My Zone Credit Card vs Axis Bank Magnus Credit Card