Which card has a lower forex fee: Axis Bank My Zone Credit Card or HDFC MoneyBack Plus Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank My Zone Credit Card or HDFC MoneyBack Plus Credit Card?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. HDFC MoneyBack Plus Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Axis Bank My Zone Credit Card has higher base reward value (~0.4% vs ~0.33%).

Pairwise comparison Compare 3+ cards →

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.

Lounge Axis Bank My Zone

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

MoneyBack Plus HDFC Bank

Annual fee ₹500 Waivable at ₹50,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

MoneyBack Plus

10 CashPoints / ₹100 on Amazon (domestic) (10X CashPoints on select merchants.)…

Pick based on what matters

2 dimensions

Start 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 (1/quarter vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

My Zone: ~₹200/month at base rate
MoneyBack Plus: ~₹170/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	MoneyBack Plus HDFC Bank
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend Only available for MoneyBack Plus	Not specified	₹50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 2 pts/₹150	2 pts/₹100	2 pts/₹150
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

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.