2 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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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.
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 Platinum Chip saves ₹500/yrMy Zone ₹500 Annual-fee waiver not offeredPlatinum Chip ₹0
- Forex markup My Zone 3.5%Platinum Chip 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 Chip Lounge access not verified
Reward earning explained
Per card2 pts / ₹100
Strong dataPick based on what matters
3 dimensionsStart 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 (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 Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank My Zone conservative base value ~0.4% per ₹100. ICICI Bank Platinum Chip is not safely INR-comparable (no usable point value).
All fields
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.
| Field | My Zone Axis Bank | Platinum Chip ICICI 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 ₹0 | ₹500 | ₹0 |
| Annual-fee waiver Only available for My Zone | Not offered | Not specified |
| 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 |
| 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 Not safely INR-comparable | ~0.4% | Not safely INR-comparable |
| Earn ceiling | Not stated | Not stated |
| 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
- 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 siteICICI Bank Platinum Chip
Verify with issuer , opens external site