Compare PNB BLISS RuPay Platinum Credit Card and Axis Bank MY ZONE Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Lifestyle-focused users who can use recurring entertainment, wellness and lounge perks and naturally clear the ₹1 lakh annual-fee waiver threshold.
Entry-level users who value entertainment and merchant discounts more than complex rewards.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/pnb-bliss-rupay-platinum-credit-card-vs-axis-bank-my-zone/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | PNB BLISS RuPay Platinum Credit Card | Axis Bank MY ZONE Credit Card |
|---|---|---|
| Joining fee | Nil | ₹500 on the current Axis Bank MY ZONE page |
| Annual fee | ₹510 + applicable taxes | ₹500 on the current Axis Bank MY ZONE page |
| Fee waiver | Annual fee waived when annual card spend is at least ₹1 lakh in the preceding year | No spend-based annual-fee waiver is stated on the reviewed current MY ZONE product page; the standard current annual fee is ₹500. |
| Rewards | 1 PNB Reward Point per ₹100 on eligible retail-category spend | Reviewed Axis listing highlights entertainment, Swiggy and AJIO benefits |
| Lounge | 4 complimentary domestic lounge visits per year (1 per quarter) and 1 complimentary international lounge visit per year | 1 complimentary domestic airport lounge visit per calendar quarter, unlocked on ₹50,000 eligible spend in the previous 3 months. |
| Forex markup | 3.50% foreign-currency markup over the network conversion rate | 3.50% foreign-currency transaction fee on the current MY ZONE page; DCC is separately charged under the current Axis schedule. |
| Network | RuPay Platinum | Axis Bank network variant as issued; current MY ZONE materials show network-dependent issuance rather than one universal network. |
| Eligibility / approval | PNB lists gross annual income of ₹3.6 lakh and above for BLISS, with approval subject to the bank’s underwriting | Subject to Axis Bank approval |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 2 attached first-party sources