Head-to-head · 🇮🇳 India
Axis MyZone vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 4 of 10
Verdict
Axis MyZone wins 5-4. Entry-tier with strong entertainment partnerships. Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | Axis MyZone | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹500 | · ₹3,000 |
| Joining fee | ₹500 | · ₹3,000 |
| Top reward rate | · 1% (general) | 4% (dining) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 SonyLIV / Eros Now subscription | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | ₹100,000 / yr | · ₹600,000 / yr |
| Min income | ₹240,000 | · ₹1,800,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | · 4/5 | 4.6/5 |
Benefits compared
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
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›Axis MyZone vs Kotak White Reserve: which is better?
Axis MyZone wins on more dimensions (5 vs 4). 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 Axis MyZone for its best categories, Kotak White Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis MyZone: ₹500 SonyLIV / Eros Now subscription. Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.