Head-to-head · 🇮🇳 India
ICICI Sapphiro vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-1. Entry-tier with strong entertainment partnerships. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | Axis MyZone |
|---|---|---|
| Annual fee | · ₹3,500 | ₹500 |
| Joining fee | · ₹6,500 | ₹500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹600,000 / yr | ₹100,000 / yr |
| Min income | · ₹1,000,000 | ₹240,000 |
| Min credit score | · 780 | 720 |
| Editorial rating | 4.3/5 | · 4/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel 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 Sapphiro vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.