Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank My Zone Credit Card
Axis Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | Axis Bank My Zone Credit Card Axis Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,130/yr | ₹700/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo | — |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 4% | 5% |
| Primary reward cap | ₹400 rewards/mo cap | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/axis-my-zone-vs-sc-ultimateReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank My Zone Credit Card leads Standard Chartered Ultimate Credit Card by about ₹2,430/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank My Zone Credit Card Axis Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,130/yr | ₹700/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹400/mo | — |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 4% | 5% |
| Primary reward cap | ₹400 rewards/mo cap | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic airport lounge — about 1 visit per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for 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 ₹3,130/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.
More 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 Altura+ Credit Card
- Axis Bank My Zone Credit Card vs AU LIT 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