Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 4 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 1 of 10
Verdict
ICICI HPCL Coral wins 4-1. Fuel-heavy spenders at HPCL pumps. Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..
Side-by-side
| Criterion | ICICI HPCL Coral | Axis MyZone |
|---|---|---|
| Annual fee | ₹199 | · ₹500 |
| Joining fee | ₹199 | · ₹500 |
| Top reward rate | 5% (fuel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | ₹50,000 / yr | · ₹100,000 / yr |
| Min income | · ₹250,000 | ₹240,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | = 4/5 | = 4/5 |
Benefits compared
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
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
FAQ
›ICICI HPCL Coral vs Axis MyZone: which is better?
ICICI HPCL Coral wins on more dimensions (4 vs 1). 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 ICICI HPCL Coral for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI HPCL Coral: 2,000 PAYBACK points on first transaction. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.