2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee My Zone saves ₹500/yrMy Zone ₹500 Annual-fee waiver not offeredPlatinum Times ₹1,000 Waivable at ₹2,50,000 spend
- Forex markup My Zone 3.5%Platinum Times 3.5%
- Domestic lounge My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsPlatinum Times Lounge access not verified
Reward earning explained
Per card3 pts / ₹150 · Up to 10 pts / ₹150 on Dining
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 Platinum Times: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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Forex markup Tie Both cards are similar for forex
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 Tie Both cards are similar for rewards
Axis Bank My Zone conservative base value ~0.4% vs HDFC Bank Platinum Times's ~0.5%. HDFC Bank Platinum Times conservative base value ~0.5% vs Axis Bank My Zone's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Platinum Times: ~₹250/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | My Zone Axis Bank | Platinum Times HDFC 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 | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,000 | ₹500 | ₹1,000 |
| Annual-fee waiver Not offered vs ₹2,50,000 | Not offered | ₹2,50,000 |
| Monthly interest rate 3.75% / month vs 3.6% / month | 3.75% / month | 3.6% / month |
| Late-payment charge Only available for Platinum Times | 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 · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap |
| Rewards | ||
| Base earn 2 EDGE Reward Points / ₹100 vs 3 pts / ₹150 | 2 EDGE Reward Points / ₹100 | 3 pts / ₹150 |
| Conservative base value ~0.4% vs ~0.5% | ~0.4% | ~0.5% |
| Earn ceiling Not stated vs 2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend | Not stated | 2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend |
| 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
- 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 Platinum Times
Verify with issuer , opens external site