Home/Compare/Axis Bank MyZone RuPay Credit Card vs Kotak Cashback Plus Credit Card

Axis Bank MyZone RuPay Credit Card vs Kotak Cashback Plus Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

Axis Bank MyZone RuPay Credit Card wins 2 out of 4 comparison categories.

⭐ Recommended

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Side-by-Side Comparison

Annual Fee
₹500
₹499 Winner
Joining Fee
Free Winner
₹499
Fee Waiver
Waived on 1.5L spend
Waived on 2L spend
Cashback Rate
Reward Rate
BOGO on Movies, Swiggy off
1.5% cashback on all spends
Lounge Access
1 domestic per quarter
No
Welcome Bonus
SonyLiv sub
Min. Income
₹15,000/mo Winner
₹30,000/mo
Credit Score
650+ Winner
700+
Best For
Movie buffs
Simple spenders

Axis Bank MyZone RuPay Credit Card

What we love

  • Movie BOGO
  • Swiggy discounts
  • RuPay UPI

Keep in mind

  • Annual fee

Kotak Cashback Plus Credit Card

What we love

  • Simple unlimited cashback
  • Wide acceptance
  • No caps

Keep in mind

  • Annual fee

Frequently Asked Questions

Which is better: Axis Bank MyZone RuPay Credit Card or Kotak Cashback Plus Credit Card?

Based on our analysis, Axis Bank MyZone RuPay Credit Card is the better choice with advantages in 2 out of 4 comparison categories including fees and rewards. However, Kotak Cashback Plus Credit Card may be better if your spending aligns with its specific benefits like simple spenders.

What is the annual fee difference?

Axis Bank MyZone RuPay Credit Card has an annual fee of ₹500 (Waived on 1.5L spend), while Kotak Cashback Plus Credit Card costs ₹499 (Waived on 2L spend) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.

Axis Bank MyZone RuPay Credit Card vs Kotak Cashback Plus Credit Card — Which is Better? (2026 Comparison) | CreditCompass India