Axis MyZone Credit Card

HDFC Marriott Bonvoy Credit Card

Best For

Shopping

Online Food Ordering

Travel

Best For

Shopping

Airport Lounge

Dining

Cashback

APPLY AND GET1400 GIFT CARD

Cashback

APPLY AND GET1100 GIFT CARD

Top Benefits

  • on minimum spends of ₹500, capped at ₹120 per order and redeemable up to 2 times a month per user
  • capped at ₹200 per month and with no reward points on movie transactions

Top Benefits

  • on every eligible spend made directly at hotels Capped at ₹10 lakh monthly spend max 53,335 Points/month
  • with exclusive privileges like priority late checkout and bonus points on Marriott stays

Welcome Benefits

Welcome Benefits

  • Get a complimentary SonyLIV premium annual subscription worth ₹1,499 upon making your first transaction within 30 days of card issuance

Welcome Benefits

Welcome Benefits

  • Get 1 Free Night Award (valued at up to 15,000 Marriott Bonvoy Points), 10 Elite Night Credits, and complimentary Marriott Bonvoy Silver Elite Status on a single minimum transaction of ₹500 within 90 days of card open date or on fee levy

Travel Benefits

Flight Benefits

  • Up to 15% instant discount on flights via MakeMyTrip Wednesday Delight offer

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn 4 Marriott Bonvoy Points per ₹150 spent on travel and  spends

Railway Benefits

  • Get complimentary access to select golf courses with Green Fee waiver and complimentary golf lessons, twice per quarter

Lounge Benefits

Airport Lounge Benefits

  • 1 complimentary domestic airport lounge access per calendar quarter, Spend-based eligibility of ₹50,000 in previous 3 months

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • Enjoy 12 complimentary visits to Domestic & international lounges Visits each year, accessible via the DCI Travel Tool App

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • Buy One Get One Free 100% discount on your second movie ticket booked through the District app using coupon code AXIS200, with up to ₹200 off per month

Movie Tickets

Movie Benefits

  • Earn 4 Marriott Bonvoy Points per ₹150 on eligible Entertainment spends, capped at a combined ₹5 lakh monthly spend

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • Earn 4 Marriott Bonvoy Points per ₹150 on eligible dining spends, capped at a combined ₹5 lakh monthly spend max 13,335 Points/month

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Wavier Benefits

  • 1% fuel surcharge waiver on all fuel transactions in India, Valid on transactions between ₹400–₹4,000, maximum benefit capped at ₹400 per statement cycle

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Surcharge Waiver Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • Get coverage for delay or loss of checked-in baggage up to $250
  • Avail loss of travel documents cover up to $250
  • Receive flight delay cover up to $250
  • Enjoy air accidental cover up to $12,500
  • Get emergency medical expenses cover up to $18,750
  • Benefit from credit shield cover up to ₹1,00,000 and loss liability cover up to ₹9,00,000

Bank Offers

Bank Offer

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • Access HDFC Bank–wide offers across select merchants and platforms, as made available from time to time

Joining Fee

₹500

Joining Fee

₹3000

Joining Fee Waiver

Complimentary SonyLIV Premium annual subscription worth ₹1,499, free on your first purchase within 30 days of card issuance

Joining Fee Waiver

The ₹3,000 + GST joining fee is effectively offset by welcome benefits such as a Free Night Award (up to 15,000 points) and Silver Elite status with 10 Elite Night Credits, delivering upfront value that can match or exceed the joining fee for Marriott users.

Annual Fee

₹500

Annual Fee

₹3000

Annual Fee Waiver

The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.

Annual Fee Waiver

The annual fee is not waived under any spending conditions.

Minimum Age

21

Minimum Age

21

Maximum Age

65

Maximum Age

60

Income (Salaried)

3 LPA

Income (Salaried)

12 LPA

Income (Self-Employed)

3 LPA

Income (Self-Employed)

3 LPA

Credit Score Required

720

Credit Score Required

750

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.5%

Forex Markups

3.50%

APR Fees

3.75%

APR Fees

3.75%

ATM withdrawal

2.5%

ATM withdrawal

2.50%

Reward Redemption Fees

Not Applicable

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

1%

Railway Surcharge

1.80%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

₹100

Check Payment Fees

2%

Check Payment Fees

₹100

Max Fee

1200

View Breakdown

Max Fee

1300

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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