2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs AU Small Finance Bank CheQ Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the AU Small Finance Bank CheQ. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick CheQ for upi.
Head-to-head
Three core metrics- Annual fee CheQ saves ₹500/yrMy Zone ₹500 Annual-fee waiver not offeredCheQ ₹0
- Forex markup My Zone 3.5%CheQ Not specified
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsCheQ Lounge access not verified
Reward earning explained
Per card1 pt / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs AU Small Finance Bank CheQ: ₹0), forex markup (3.5% vs Not specified), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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Forex markup Insufficient data Insufficient data to compare forex
Only Axis Bank My Zone has comparable evidence here. Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank My Zone conservative base value ~0.4% per ₹100. AU Small Finance Bank CheQ is not safely INR-comparable (no usable point value).
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upi AU Small Finance Bank CheQ wins AU Small Finance Bank CheQ is better for UPI usage
AU Small Finance Bank CheQ is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- My Zone: ~₹200/month at base rate
- CheQ AU: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | CheQ AU Small Finance Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for My Zone | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup CheQ AU unclear; My Zone shows 3.5% (verify). | 3.5% | Not specified |
| Fees | ||
| Recurring annual fee ₹500 vs ₹0 | ₹500 | ₹0 |
| Annual-fee waiver Only available for My Zone | Not offered | Not specified |
| Interest-free period Only available for My Zone | Up to 50 days | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs Surcharge waiver available · ₹500–₹5,000 transactions · ₹150/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | Surcharge waiver available · ₹500–₹5,000 transactions · ₹150/month waiver cap |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 2 EDGE Reward Points / ₹100 vs 1 pt / ₹100 | 2 EDGE Reward Points / ₹100 | 1 pt / ₹100 |
| Conservative base value ~0.4% vs Not safely INR-comparable | ~0.4% | Not safely INR-comparable |
| Earn ceiling | Not stated | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone | ₹0.2 | Not specified |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank My Zone
Verify with issuer , opens external siteAU Small Finance Bank CheQ
Verify with issuer , opens external site