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

Axis Bank My Zone Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. HDFC Bank Platinum Times Credit Card: Domestic lounge details not available.

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 Platinum Times Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank Platinum Times. Verify fees, lounge access, forex markup, and base rewards before you apply.

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

Platinum Times HDFC Bank

Annual fee ₹1,000 Waivable at ₹2,50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

Reward earning explained

Per card

My Zone

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

Platinum Times

10 pts / ₹150 on Dining (Weekday dining spends earn 10 Reward Points per ₹150.)…

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 Platinum Times: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs Not specified).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only Axis Bank My Zone has comparable evidence here. Domestic lounge access is 1 per quarter.

My Zone: Limited data

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

My Zone: ~₹200/month at base rate
Platinum Times: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Platinum Times HDFC Bank
Lounge Access
Domestic lounge visits Only available for My Zone	1/quarter	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,000	₹500	₹1,000
Joining fee ₹500 vs ₹1,000	₹500	₹1,000
Fee waiver spend Only available for Platinum Times	Not specified	₹2,50,000
Rewards
Reward points (base spend) 2 pts/₹100 vs 3 pts/₹150	2 pts/₹100	3 pts/₹150
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 Platinum Times	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.