Which card has a lower forex fee: Axis Bank My Zone Credit Card or HDFC Bank PIXEL Play 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 Bank PIXEL Play 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 Bank PIXEL Play Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank My Zone vs HDFC Bank PIXEL Play Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank PIXEL Play. 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

PIXEL Play HDFC Bank

Annual fee ₹500 Waivable at ₹1,00,000 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…

PIXEL Play

5% on Selected categories (domestic) + 3% on Ecommerce Platform

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 PIXEL Play: ₹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:

PIXEL Play: ~₹500/month at base rate
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	PIXEL Play 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 PIXEL Play	Not specified	₹1,00,000
Rewards
Points per ₹100 2 pts vs 1%	2 pts	1%
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
Point validity Only available for PIXEL Play	Not specified	2 years

Notes

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