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.

Side-by-side · honest numbers

Axis Bank My Zone Credit Card vs IndusInd Bank Crest Credit Card

Honest side-by-side comparison of Axis Bank My Zone Credit Card, IndusInd Bank Crest 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 leads IndusInd Bank Crest Credit Card by about ₹3,890/yr in estimated net value.

Axis Bank My Zone Credit Card vs IndusInd Bank Crest Credit Card comparison table
Feature	Axis Bank My Zone Credit Card Axis Bank	IndusInd Bank Crest Credit Card IndusInd Bank
Fees & eligibility
Annual fee	₹500	₹5,000
Fee waiver threshold	No waiver published	Waived at ₹4,00,000/yr spend
Min income	₹20,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹80/yr
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—
Travel	—	2 pts per ₹150 spend → ₹17/mo (₹200/yr)
Top reward rate	4%	2X reward points
Primary reward cap	₹400 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	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.

Card 1

Axis Bank My Zone Credit Card

Axis Bank

Card 2

IndusInd Bank Crest Credit Card

IndusInd 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 BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank
Fees & eligibility
Annual fee	₹500	₹5,000
Fee waiver threshold	No waiver published	Waived at ₹4,00,000/yr spend
Min income	₹20,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹80/yr
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—
Travel	—	2 pts per ₹150 spend → ₹17/mo (₹200/yr)
Top reward rate	4%	2X reward points
Primary reward cap	₹400 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Axis Bank My Zone Credit Card details →IndusInd Bank Crest Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank My Zone Credit Card comparisons