Axis MyZone vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis MyZone wins 5-3. Entry-tier with strong entertainment partnerships. Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | Axis MyZone | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | ₹500 | · ₹5,000 |
| Joining fee | ₹500 | · ₹5,000 |
| Top reward rate | · 1% (general) | 3.3% (general) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 SonyLIV / Eros Now subscription | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹240,000 | · ₹1,500,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | · 4/5 | 4.4/5 |
Benefits compared
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
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›Axis MyZone vs Standard Chartered Ultimate: which is better?
Axis MyZone 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 MyZone for its best categories, Standard Chartered Ultimate for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis MyZone: ₹500 SonyLIV / Eros Now subscription. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.