2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank My Zone vs HDFC Bank MoneyBack Plus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank MoneyBack Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick My Zone for lounge access.
Head-to-head
Three core metrics- Annual fee My Zone ₹500 Annual-fee waiver not offeredMoneyBack Plus ₹500 Waivable at ₹50,000 spend
- Forex markup My Zone 3.5%MoneyBack Plus 3.5%
- Domestic lounge My Zone: +4 lounge visits/yrMy Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsMoneyBack Plus No complimentary lounge access
Reward earning explained
Per card2 CashPoints / ₹150 · Up to 10 CashPoints / ₹100 on online spend
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HDFC Bank MoneyBack Plus: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank My Zone wins Axis Bank My Zone is better for lounge access
Axis Bank My Zone is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Tie Both cards are similar for rewards
Axis Bank My Zone conservative base value ~0.4% vs HDFC Bank MoneyBack Plus's ~0.3%. HDFC Bank MoneyBack Plus conservative base value ~0.3% vs Axis Bank My Zone's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- My Zone: ~₹200/month at base rate
- MoneyBack Plus: ~₹130/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | MoneyBack Plus HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹500 | ₹500 |
| Annual-fee waiver Not offered vs ₹50,000 | Not offered | ₹50,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for MoneyBack Plus | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 EDGE Reward Points / ₹100 vs 2 CashPoints / ₹150 | 2 EDGE Reward Points / ₹100 | 2 CashPoints / ₹150 |
| Conservative base value ~0.4% vs ~0.3% | ~0.4% | ~0.3% |
| Earn ceiling Not stated vs 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend | Not stated | 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25 | ₹0.2 | ₹0.25 |
| Point validity Only available for MoneyBack Plus | Not specified | 2 years |
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 siteHDFC Bank MoneyBack Plus
Verify with issuer , opens external site