Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, IndusInd Bank Avios Visa Infinite Credit Card, IRCTC ICICI Bank Credit 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 IRCTC ICICI Bank Credit Card by about ₹3,090/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,536/yr | ₹880/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 4% | 5X Avios points | 10% reward points |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card 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
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
IRCTC ICICI Bank Credit Card
ICICI 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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,536/yr | ₹880/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 4% | 5X Avios points | 10% reward points |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited lounge access · No minimum spend required for lounge access | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-indusind-avios-vs-irctc-iciciMore Axis Bank My Zone Credit Card comparisons
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