Head-to-head · 🇮🇳 India
Kotak White Reserve vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
Wins 2 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 7 of 10
Verdict
Axis MyZone wins 7-2. Entry-tier with strong entertainment partnerships. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | Axis MyZone |
|---|---|---|
| Annual fee | · ₹12,500 | ₹500 |
| Joining fee | · ₹12,500 | ₹500 |
| Top reward rate | · Milestone | 1% (general) |
| Base reward rate | · Milestone | 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | · N/A | ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹100,000 / yr |
| Min income | = Not verified | = ₹240,000 |
| Min credit score | · N/A | 720 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›Kotak White Reserve vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve 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?
Kotak White Reserve doesn't list a welcome bonus. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.