Check below for a comparison between Axis Bank My Zone credit card vs Axis Bank Indian Oil credit card or Axis Bank Indian Oil credit card vs Axis Bank My Zone credit card and find which is better –

Overview of My Zone credit card

The MY Zone Credit Card, a creation of Axis Bank, offers a wide array of benefits for users engaging in transactions on Paytm, Myntra, and Swiggy.

Additionally, it provides complimentary access to airport lounges. Being a lifetime-free credit card, it is laden with advantages.

To gain a detailed understanding, delve into the features, benefits, fees, and eligibility criteria of this Axis Bank credit card.

The My Zone Credit Card offered by Axis Bank is positioned as an entry-level credit option, featuring a reasonable annual fee of Rs. 500.

Cardholders are greeted with a complimentary premium subscription to SonyLiv, valued at Rs. 999. Despite its modest annual charge, the card provides substantial value with movie and dining perks, complimentary access to domestic airport lounges, and more.

Concerning rewards, users accrue 4 EDGE Points for every Rs. 200 spent, with 1 Edge Reward corresponding to Re. 0.20.

Overview of Axis Bank Indian Oil credit card

The co-branded Indian Oil Axis Bank Credit Card is specifically designed for those who frequently use their vehicles for commuting or travel.

Cardholders can enjoy a 5% value back on fuel expenditures at Indian Oil outlets, provided in the form of valuable fuel points.

Adding to the appeal, a welcome bonus is extended, offering up to 1000 reward points for the first transaction made within 30 days of activating the card.

Axis Bank My Zone credit card vs Axis Bank Indian Oil credit card

Features/Charges	Axis Bank MY Zone Credit Card	Axis Bank Indianoil Credit Card
Joining Fees	Unlock a special promotion by paying Rs. 500, granting you a lifetime free subscription to chosen channels.	Rs 500
Annual Fees	In the inaugural year, there are no fees, while from the second year onward, a payment of Rs. 500 is required, featuring a lifelong free subscription to specific channels.	Rs 500
Welcome Benefits	Experience the benefits of a complimentary SonyLiv Premium annual subscription, worth Rs. 999, when you make your first purchase within the initial 30 days of card issuance.	Experience a total refund on your fuel transactions, up to Rs. 250, within the initial 30 days from the activation of your card.
Cashback / Rewards point	You get 4 to 40 reward points for each Rs. 200 spent through the MY Zone credit card.	Transactions within the range of Rs 100 to Rs 5000 qualify for the 4% fuel reward. The accelerated EDGE RP for fuel is limited to 1000 RP per month, setting the maximum 4% fuel return at Rs 5000 per calendar month. While suitable for the majority, it might be marginally insufficient for car owners, particularly given the current fuel pricing. Additionally, a 1% fuel surcharge waiver is applicable for transactions between Rs 200 and Rs 5000, with a maximum waiver of Rs 50 per statement. This effectively caps the fuel surcharge waiver at Rs 5000 worth of fuel spent in a statement cycle.
Dining benefits	Save up to 20% on dining expenses at affiliated restaurants in India through the ‘Dining Delights’ initiative.	Enjoying the perks of the Dining Delights program, cardholders can receive a discount of up to 15% on their dining expenditures at partner restaurants located throughout India.
Travel benefits	Experience the convenience of up to four complimentary visits annually to designated airport lounges across India.	N/A
Annual fees waiver	Nil	The annual fee will be waived if your yearly spending totals Rs. 50,000 or more.
Fuel surcharge waiver	Gain a reimbursement of 1% on the transaction amount for fuel transactions between Rs. 400 and Rs. 4,000, with the opportunity to earn a maximum benefit of Rs. 400 every month.	Get a 1% exemption on fuel surcharge when refueling at any fuel station in India.