Axis Bank MY ZONE Credit Card vs Flipkart Axis Bank Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | Axis Bank MY ZONE Credit Card | Flipkart Axis Bank Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500 | ₹500 |
| Fee waiver | Not published by the bank | Joining fee ₹500 (the bank currently advertises a limited-period waiver). Annual fee ₹500 from year 2, waived on ₹3.5 lakh spend in the previous card year (rent and wallet loads don't count). |
| Everyday spends (value back) | 0.4% | 1% |
| Online shopping (value back) | 0.4% | 1% |
| Fuel (value back) | 0% | 0% |
| Bills and utilities (value back) | 0% | 0% |
| Dining and food delivery (value back) | 0.4% | 4% |
| Rewards in short | Entertainment card: buy-one-get-one on District movie tickets, ₹120 off Swiggy, quarterly lounge access on spends, 4 EDGE points per ₹200. | Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends. |
| Works on UPI | Yes (RuPay) | No |
| Airport lounge | 4 domestic visits a year (1 a calendar quarter) after ₹50,000 eligible spend in the previous 3 calendar months; the spend rule is waived for a new card's month of issue and the next 3 months. | None (complimentary domestic lounge access discontinued from 20 Jun 2025) |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹4,000; max ₹400 per statement cycle (also on credit-card-on-UPI) | 1% waiver on fuel transactions of ₹400 to ₹4,000; max ₹400 per statement cycle; no cashback earned on fuel |
| Card network | RuPay | Not published by the bank |
| Minimum income (salaried) | Not published by the bank | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Axis Bank MY ZONE Credit Card if
you want a RuPay card for UPI, lounge visits and movie offers
₹500 joining, ₹500 a year
Pick the Flipkart Axis Bank Credit Card if
you shop on Flipkart, Myntra or Cleartrip and want cashback
₹500 joining, ₹500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Does Flipkart Axis still have lounge access?
No. Axis ended Flipkart Axis's complimentary domestic lounge access from 20 June 2025. MY ZONE gives 1 domestic visit each calendar quarter, up to 4 a year, after ₹50,000 of spend in the previous 3 calendar months.
Can I use Flipkart Axis or MY ZONE on UPI?
Only MY ZONE, which is a RuPay card. Axis doesn't list Flipkart Axis as a RuPay card, so it can't be linked to UPI.
Which earns more on everyday spends?
Flipkart Axis. It pays 1% cashback on eligible spends outside its partner sites, with no cap, against MY ZONE's 0.4%. On ₹20,000 a month of such spends that's about ₹2,400 a year against ₹960. Flipkart Axis pays nothing on transactions under ₹100.
Do they pay anything on fuel, rent or bills?
No. Neither earns on fuel, rent, utility bills, wallet loads, insurance, education or government payments. Both waive the 1% fuel surcharge on ₹400 to ₹4,000 transactions, up to ₹400 a statement cycle.
Full details: Axis Bank MY ZONE Credit Card · Flipkart Axis Bank Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.