vs
In short: Axis My Zone has the lower annual fee (₹500 vs ₹1,000); both include 1 airport lounge visit a quarter; both charge a 3.5% forex markup.
| Key facts | Axis My Zone | BOB Premier |
|---|---|---|
| Annual fee | ₹500 | ₹1,000 |
| Joining fee | ₹500 | ₹1,000 |
| Annual fee waived | Not listed | On ₹1.2 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 5X Reward Points on Travel |
| Base rewards | 4 reward points For Every ₹200 | 2 Reward Point per ₹100 |
| Lounge access | 1 airport lounge visit a quarter | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 6 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, BOB Premier returns about ₹940 more a year after annual fees (₹2,400 vs ₹960 in rewards).
| Spend profile | Axis My Zone | BOB Premier |
|---|---|---|
| Reward value: top rate / base rate | 0.4% / 0.4% | 2.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹960 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹960 | ₹2,400 |
| Annual fee | ₹500 | ₹1,000 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Axis Bank My Zone Credit Card and Bank Of Baroda Premier Visa Credit Card both offer Visa network benefits with domestic lounge access and fuel surcharge waivers. Axis Bank My Zone provides a complimentary Sony LIV Premium subscription and milestone renewal benefit, while Bank Of Baroda Premier focuses on accelerated rewards for travel and dining with a welcome bonus. Their fees and reward structures differ, catering to different spending patterns and preferences.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank My Zone Credit Card | Bank Of Baroda Premier Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | Bank Of Baroda |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | Annual Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.120000 For Annual Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | 5X Reward Points on Travel |
| Base rate (other spends) | — | Earn 2 Reward Point per Rs.100 |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Sony LIV Premium Annual Subscription | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 |
| Milestone benefit | SonyLIV Premium Membership Renewal on Spending 1.5 lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
The Bank Of Baroda Premier Visa Credit Card offers stronger rewards, especially for travel and dining, with 5X reward points on these categories and a base rate of 2 points per Rs.100 spent. This results in about Rs.2,400 a year in rewards at Rs.20,000 monthly spend. In contrast, the Axis Bank My Zone Credit Card provides a flat 4 reward points per Rs.200 spent, equating to roughly Rs.960 annually. While Axis Bank’s card includes a valuable Sony LIV subscription, the overall reward value is higher with Bank Of Baroda Premier for active spenders.
For travel benefits, Bank Of Baroda Premier Visa Credit Card stands out with 5X reward points on travel expenses, capped at 2,000 points, making it more rewarding for frequent travelers. Both cards offer one complimentary domestic airport lounge access per quarter, but neither lists international lounge access. Axis Bank My Zone does not provide accelerated travel rewards, making Bank Of Baroda Premier the better choice for travel-focused users.
Axis Bank My Zone Credit Card has a lower joining and renewal fee of Rs.500, with no listed fee waiver conditions, making it more affordable upfront and annually. Bank Of Baroda Premier charges Rs.1,000 for joining and renewal but offers an annual fee waiver on spending Rs.1,20,000. Both cards have the same forex markup fee of 3.5% and a 1% fuel surcharge waiver. Cash processing fees differ, with Axis Bank charging Rs.175 and Bank Of Baroda charging Rs.250. Overall, Axis Bank My Zone is more cost-effective for lower spenders or those who prefer simpler fee structures.
Axis Bank My Zone Credit Card offers a milestone benefit with Sony LIV Premium membership renewal on spending Rs.1.5 lakhs annually, adding value beyond the standard rewards. Bank Of Baroda Premier does not list milestone benefits in our data.
Axis Bank My Zone redeems reward points at Rs.0.20 per Edge Reward point, while Bank Of Baroda Premier allows redeeming points for cashback at 1 rupee per point. This difference affects the effective value of points earned.
Consider Axis Bank My Zone Credit Card if you want a lower annual fee card with a complimentary Sony LIV Premium subscription and milestone benefits. It suits users who prefer a straightforward rewards structure and occasional lounge access without needing accelerated travel rewards.
Consider Bank Of Baroda Premier Visa Credit Card if you spend significantly on travel and dining and want to maximize rewards with 5X points in these categories. It is ideal for frequent travelers and diners who can also benefit from the welcome bonus and annual fee waiver on higher spends.
Axis Bank My Zone Credit Card charges Rs.500 as joining and renewal fee with no listed waiver, while Bank Of Baroda Premier Visa Credit Card charges Rs.1,000 for both but waives the fee on spending Rs.1,20,000 annually.
Both cards provide one complimentary domestic airport lounge access per quarter. International lounge access is not listed in our data for either card.
Bank Of Baroda Premier Visa Credit Card offers 5X reward points on travel, making it more rewarding for travel expenses compared to Axis Bank My Zone, which has a flat reward rate without travel acceleration.
Yes, both cards offer a 1% fuel surcharge waiver on fuel transactions.
Axis Bank My Zone Credit Card provides a complimentary Sony LIV Premium annual subscription, while Bank Of Baroda Premier Visa Credit Card offers 500 reward points on spending Rs.5,000.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.