Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, IndusInd Bank Avios Visa Infinite Credit Card, Standard Chartered Ultimate 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 Standard Chartered Ultimate Credit Card by about ₹210/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,536/yr | ₹3,760/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4% | 5X Avios points | 5% |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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 ₹3,970/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
Standard Chartered Ultimate Credit 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 | 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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹8,536/yr | ₹3,760/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4% | 5X Avios points | 5% |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Unlimited 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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