Head-to-head · 🇮🇳 India
ICICI Platinum Chip vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | ICICI Platinum Chip | Axis MyZone |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 0.5% (general) | 1% (general) |
| Base reward rate | · 0.5% | 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = No welcome bonus — fee-free for life | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · N/A (no fee) | ₹100,000 / yr |
| Min income | ₹200,000 | · ₹240,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | · 3.6/5 | 4/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
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 Platinum Chip vs Axis MyZone: which is better?
It's a true tie — pick the one whose boost categories match your spend. ICICI Platinum Chip wins on 4 criteria, Axis MyZone on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.