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 SBI Card MILES vs YES Bank Marquee Credit Card

Honest side-by-side comparison of Axis Bank My Zone Credit Card, SBI Card MILES, YES Bank Marquee 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 SBI Card MILES by about ₹680/yr.

Axis Bank My Zone Credit Card vs SBI Card MILES vs YES Bank Marquee Credit Card comparison table
Feature	Axis Bank My Zone Credit Card Axis Bank	SBI Card MILES SBI Card	YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹500	₹1,499	₹999
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend	No waiver published
Min income	₹20,000/mo	₹35,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹3,290/yr	-₹29/yr
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—	—
Travel	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)	4 pts per ₹150 spend → ₹33/mo (₹400/yr)
Top reward rate	4%	6X reward points	4 RP/₹150
Primary reward cap	₹400 rewards/mo cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹2,000	—

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

SBI Card MILES

SBI Card

Card 3

YES Bank Marquee Credit Card

YES 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	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Fees & eligibility
Annual fee	₹500	₹1,499	₹999
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend	No waiver published
Min income	₹20,000/mo	₹35,000/mo	₹40,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹3,970/yr	₹3,290/yr	-₹29/yr
Dining & delivery	4% cashback → ₹160/mo (₹1,920/yr)	—	—
Travel	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)	4 pts per ₹150 spend → ₹33/mo (₹400/yr)
Top reward rate	4%	6X reward points	4 RP/₹150
Primary reward cap	₹400 rewards/mo cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹2,000	—

Axis Bank My Zone Credit Card details →SBI Card MILES details →YES Bank Marquee 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