Axis MyZone Credit Card

Times Black ICICI Bank Credit Card

Best For

Shopping

Online Food Ordering

Travel

Best For

Shopping

Dining

Travel

Cashback

APPLY AND GET1400 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

  • Access via Priority Pass across 1,400+ lounges in 145+ countries for both primary and add-on cardholders
  • On International Spends on eligible transactions using the card

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

  • Luxury stay gift voucher worth ₹10,000 from EaseMyTrip on payment of joining fee
  • Travel visa benefits worth ₹10,000 via Atlys and OneVasco, accessible through the Times Black App
  • Toni&Guy gift voucher worth ₹3,000 and Interflora gift voucher worth ₹1,000 on payment of joining fee
  • Zomato Gold annual membership voucher on payment of joining fee

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

  • Zero cancellation charges on domestic flight, hotel and movie bookings, up to ₹12,000 for the first 2 cancellations per card
  • Klook international experiences voucher worth ₹10,000 on ₹2 lakh annual spends
  • Luxury airport transfers worth ₹10,000 via BLADE India, Avis or Indian Travel House on ₹5 lakh annual spends
  • One-night luxury stay at Ayatana or Lohono worth ₹20,000 on ₹20 lakh annual spends

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

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

  • Unlimited domestic airport lounge access by swiping the card at participating lounges
  • Unlimited international airport lounge access via Priority Pass for primary and add-on cardholders across 1,400+ lounges in 145+ countries

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

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • 20% discount at Quorum Club restaurants including Cafe Reed (Mumbai), Six80Nine (Gurgaon) and Zila (Hyderabad), with prior reservation required

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

  • 1% fuel surcharge waiver on transactions up to ₹4,000 at all fuel stations across India, applicable for fuel spends up to ₹1,00,000 per statement cycle

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • Air accident insurance cover of ₹3 crore (death only) on eligible international travel, applicable when ticket is purchased using the card
  • Purchase protection cover of ₹1,40,000 and credit shield cover of ₹1,00,000
  • Lost checked-in baggage cover of ₹84,000 and baggage delay cover of ₹21,000 on international travel
  • Card liability cover of ₹50,000 for lost card, skimming, phishing and online fraud protection
  • Medical expenses cover of ₹50,000 for injury from rail or road accidents

Bank Offers

Bank Offer

  • This card does not offer any benefits in this category

Bank Offers

Bank Offer

  • Tata CLiQ Luxury Gift Card worth ₹10,000 on ₹10 lakh annual spends
  • 6 lifestyle management requests per year via CribLife chat-based concierge
  • 20% off joining fees at The Quorum Club and 30% off meeting rooms at District 150
  • 24x7 domestic and international concierge services via i-Assist

Joining Fee

₹500

Joining Fee

₹20000

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

No welcome benefit is provided to offset the joining fee.

Annual Fee

₹500

Annual Fee

₹20000

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 waived if you spend ₹25 lakh or more in a year on your card, as per bank policy.

Minimum Age

21

Minimum Age

21

Maximum Age

65

Maximum Age

65

Income (Salaried)

3 LPA

Income (Salaried)

24 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

1.49%

APR Fees

3.75%

APR Fees

3.75%

ATM withdrawal

2.5%

ATM withdrawal

Not Applicable

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

₹150

Check Payment Fees

2%

Check Payment Fees

₹150

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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