2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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AXIS My Zone vs ICICI Coral RuPay
Side-by-side comparison of the Axis Bank My Zone and the ICICI Bank Coral RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Coral RuPay for UPI payments.
Head-to-head
- Annual fee Annual fee outcome: tie. My Zone ₹500 Annual-fee waiver not offeredCoral RuPay ₹500 Waivable at ₹1,50,000 spend
- Forex markup Forex markup outcome: tie. My Zone 3.5%Coral RuPay 3.5%
- Domestic lounge Domestic lounge outcome: tie. My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsCoral RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueMy Zone ~0.4%Coral RuPay ~0.5%
- UPI payments UPI payments outcome: Coral RuPay wins. My Zone No UPI supportCoral RuPay Supports UPI
Reward earning explained
2 pts / ₹100
Limited dataExample usage at this monthly spend
At ₹50k/month spend:
- Coral RuPay: ~₹250/month at base rate
- My Zone: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | My Zone Axis Bank | Coral RuPay ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| Railway lounge visits Only available for Coral RuPay | Not specified | 4 railway lounge visits per year (max 1/quarter) |
| International lounge visits Only available for Coral RuPay | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹500 | ₹500 |
| Annual-fee waiver Not offered vs ₹1,50,000 | Not offered | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge ₹500–₹1,300 depending on outstanding balance vs ₹100–₹1,300 depending on outstanding balance | ₹500–₹1,300 depending on outstanding balance | ₹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–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 2 EDGE Reward Points / ₹100 vs 2 pts / ₹100 | 2 EDGE Reward Points / ₹100 | 2 pts / ₹100 |
| Conservative base value ~0.4% vs ~0.5% | ~0.4% | ~0.5% |
| Earn ceiling Not stated vs Eligible spend capped at ₹20,000 per statement cycle | Not stated | Eligible spend capped at ₹20,000 per statement cycle |
| 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 Coral RuPay | Not specified | 3 years |
Notes
- Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- ICICI Bank Coral RuPay Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- 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 siteICICI Bank Coral RuPay
Verify with issuer , opens external site