Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 6 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 3 of 10
Verdict
IDFC FIRST Wealth wins 6-3. Lifetime-free premium — best zero-fee card in India. Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..
Side-by-side
| Criterion | IDFC FIRST Wealth | Axis MyZone |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | 3% (general) | · 1% (general) |
| Base reward rate | 3% | · 1% |
| Forex markup | 1.5% | · 3.5% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · N/A (no fee) | ₹100,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.7/5 | · 4/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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
›IDFC FIRST Wealth vs Axis MyZone: which is better?
IDFC FIRST Wealth wins on more dimensions (6 vs 3). 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 IDFC FIRST Wealth 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?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.