Head-to-head · 🇮🇳 India
ICICI Rubyx vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-0. Entry-tier with strong entertainment partnerships. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Rubyx | Axis MyZone |
|---|---|---|
| Annual fee | · ₹2,000 | ₹500 |
| Joining fee | · ₹3,000 | ₹500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹350,000 / yr | ₹100,000 / yr |
| Min income | · ₹600,000 | ₹240,000 |
| Min credit score | · 760 | 720 |
| Editorial rating | = 4/5 | = 4/5 |
Benefits compared
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
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 Rubyx vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 0). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.