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

ICICI Bank Platinum Chip Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. ICICI Bank Platinum Chip 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 ICICI Bank Platinum Chip Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the ICICI Bank Platinum Chip. 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 Chip ICICI Bank

Annual fee ₹0 Lifetime free
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 Chip

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs ICICI Bank Platinum Chip: ₹0), 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
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Platinum Chip has comparable evidence here. Base earn is 2 pts per ₹100.

Platinum Chip: 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 Chip: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Platinum Chip ICICI 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 ₹0	₹500	₹0
Joining fee ₹500 vs ₹0	₹500	₹0
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100	2 pts	2 pts
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

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.