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Head-to-head · 🇮🇳 India

Axis ACE vs Axis MyZone

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

IN
Axis Bank
Axis ACE
VISA
Wins 5 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 3 of 10
Verdict

Axis ACE wins 5-3. Bill payments + utilities + fuel, set-and-forget cashback Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..

Side-by-side

CriterionAxis ACEAxis MyZone
Annual fee
₹499
·
₹500
Joining fee
₹499
·
₹500
Top reward rate
4% (fuel)
·
1% (general)
Base reward rate
1.5%
·
1%
Forex markup
=
3.5%
=
3.5%
Welcome bonus
=
Up to ₹2,000 cashback on first 60-day spends
=
₹500 SonyLIV / Eros Now subscription
Fee waiver threshold
·
₹200,000 / yr
₹100,000 / yr
Min income
·
₹360,000
₹240,000
Min credit score
·
750
720
Editorial rating
4.5/5
·
4/5
Apply for Axis ACE Apply for Axis MyZone

Benefits compared

Axis ACE

  • 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
  • 4% cashback on Swiggy, Zomato, Ola
  • 2% cashback on every other transaction
  • 4 complimentary domestic airport lounge visits per year
  • 1% fuel surcharge waiver

Axis MyZone

  • Buy-1-get-1 movie tickets on District, spend-gated from 1 Nov 2026 (₹25,000 settled spend in the previous 3 months)
  • 40% off on Swiggy (capped ₹120)
  • Sony LIV / Eros Now annual subscription
  • 4 reward points per ₹200
  • 1% fuel surcharge waiver

FAQ

›Axis ACE vs Axis MyZone: which is better?

Axis ACE wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.

›Can I get both?

Yes, if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.

›Which one has the better welcome bonus?

Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.