Head-to-head · 🇮🇳 India
Kotak White Reserve vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 4 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-4. Entry-tier with strong entertainment partnerships. Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | Kotak White Reserve | Axis MyZone |
|---|---|---|
| Annual fee | · ₹3,000 | ₹500 |
| Joining fee | · ₹3,000 | ₹500 |
| Top reward rate | 4% (dining) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹600,000 / yr | ₹100,000 / yr |
| Min income | · ₹1,800,000 | ₹240,000 |
| Min credit score | · 780 | 720 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
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
›Kotak White Reserve vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 4). 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 Kotak White Reserve 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?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.