Axis Bank My Zone Credit Card
Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | Axis Bank |
| Card Type | Mastercard, RuPay, Visa |
| Joining Fee | 500 Lifetime free for select channels |
| Annual Fee | 500 Lifetime free for select channels |
| Welcome Benefits | Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance |
| Fee Waiver Condition | Annual fee of ₹500 is waived if you spend ₹2 lakh or more in the card anniversary year |
| Reward Rates | Earn 4 EDGE Reward Points for every ₹200 spent (reward rate ~0.4%). |
| Interest Rates | 3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances. |
| Foreign Exchange Markup | 3.5% of the transaction amount on all foreign currency transactions. |
| Best For | Food Ordering, Movies |
| Lounge Access |
Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months |
Key Features & Benefits
Axis Bank My Zone Credit Card is designed for tech-savvy, urban spenders looking to maximize savings on dining, entertainment, and daily essentials. Cardholders enjoy instant discounts on Swiggy orders with up to ₹120 off twice a month, and a Buy One Get One Free offer on movie tickets through the District app, helping save on leisure activities. The card comes with a complimentary Sony LIV Premium subscription worth ₹1,499, adding value for streaming lovers. It offers reward points on every spend, which can be redeemed for vouchers or bill payments, along with up to 15% off dining at partner restaurants through EazyDiner. Complementing these perks is one complimentary domestic airport lounge access per quarter, available after hitting a minimum spend threshold. Security is strong with EMV chip and PIN technology to protect against fraud. Fuel surcharge waivers, EMI conversion options, and cashback on bill payments make it a versatile card that caters well to millennials, frequent diners, and entertainment enthusiasts.
All You Need to Know About: Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is designed for young, urban, lifestyle-focused users who want to save on everyday spends like dining, entertainment, and online shopping. It offers instant discounts of up to ₹120 twice a month on Swiggy orders, a Buy One Get One Free offer on movie tickets via the District app, and a complimentary 1-year Sony LIV Premium subscription. Cardholders earn 4 EDGE Reward Points per ₹200 spent, redeemable for vouchers and bill payments. The card also offers up to 15% off dining at partner restaurants, a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹4,000 (max ₹400 per month), and one complimentary domestic airport lounge access per quarter (subject to a minimum spend of ₹50,000 in the previous 3 months).
Fees include a ₹500 joining fee (waived on ₹5,000 spend in 45 days), ₹500 annual fee waived in the first year, add-on cards free of charge, and a 3.75% monthly finance charge on unpaid balances. Other fees include 2.5% cash withdrawal fee (minimum ₹500), late payment fees between ₹500 and ₹1,200, and 3.5% foreign exchange markup. The card is secured with EMV chip and PIN technology.
Eligibility requires a minimum monthly income of ₹15,000 for salaried individuals and ₹20,000 for business/self-employed professionals. The card is ideal for millennials seeking savings on dining, entertainment, and digital payments, with flexible reward points and easy EMI options. Applications can be completed online via Axis Bank’s official website or at a branch with required KYC documents.
This card combines convenience, lifestyle perks, and strong rewards, making it a great choice for urban users focused on day-to-day savings and entertainment benefits.
Pros & Cons
Pros
-
Attractive discounts on dining, streaming, and entertainment
-
Complimentary Sony LIV Premium subscription adds great value
-
Earn reward points on every spend, redeemable across categories
-
Complimentary domestic lounge access enhances travel comfort
-
Easy EMI conversion and fuel surcharge waiver on transactions
Cons
-
Joining and renewal fees apply from second year
-
Lounge access requires minimum spend eligibility
-
Foreign exchange markup is relatively high at 3.5%
-
Cashback offers have monthly or transaction limits
-
Not ideal for heavy international travelers due to forex fees
How to Apply
-
Visit the official Axis Bank Credit Cards page.
-
Select the “My Zone Credit Card” from the list of available cards.
-
Click on the “Apply Now” button to open the online application form.
-
Fill in your personal, income, and contact details as required and submit the form.
You can also apply at your nearest Axis Bank branch by submitting the necessary documents. After successful verification, approval is usually provided within a few days, and the card will be delivered to your registered address.
Detailed Fee Structure
The Axis Bank My Zone Credit Card charges a joining fee of ₹500, waived if you spend ₹5,000 within 45 days of issuance. Its annual fee is ₹500 after the first fee-free year. Add-on cards have no joining or annual fees. Interest rates are approximately 3.4% per month (49.36% p.a.). Other fees include a 2.5% cash withdrawal fee (minimum ₹500), late payment charges ranging from ₹500 to ₹1,200 based on overdue amounts, and a 2.5% overlimit penalty (minimum ₹500). Foreign currency transactions incur a 3.5% markup, and a 1% fuel surcharge is waived on spends between ₹400-₹4,000 (up to ₹400 per month). Card replacement fees are ₹100, and cheque return fees are 2% of the amount (minimum ₹450). Many routine fees, such as duplicate statements and hotlisting, are waived. All fees attract applicable GST as per government regulations. This detailed fee transparency aids informed user decisions.The Axis Bank My Zone Credit Card charges a joining fee of ₹500, waived if you spend ₹5,000 within 45 days of issuance. The annual fee is ₹500, waived for the first year and applicable from the second year onwards. Add-on cards come with no joining or annual fees. Finance charges are 3.4% per month (approx. 49.36% per annum). Cash withdrawal fees are 2.5% of the withdrawn amount with a minimum of ₹500. Late payment charges range from ₹500 to ₹1,200 depending on the overdue amount. Overlimit penalty is 2.5% of the overlimit amount, minimum ₹500. Foreign currency transaction markup is 3.5%. Fuel surcharge waiver of 1% applies on spends between ₹400 and ₹4,000 per month (up to ₹400). Card replacement fee is ₹100. Cheque return/dishonour fee is 2% of the amount, minimum ₹450. Routine fees like duplicate statements and hotlisting are waived. All fees are subject to GST as per government rules.
Who Should Get This Card?
The Axis Bank My Zone Credit Card is ideal for young, urban professionals and tech-savvy millennials who frequently dine out, stream entertainment, and shop online. It suits users looking for lifestyle benefits like dining discounts, instant cashback on food deliveries, movie ticket offers, and subscription services. If you value affordable rewards, convenience in bill payments, and occasional airport lounge access without heavy fees, this card is a smart choice. It’s also great for budget-conscious consumers wanting strong rewards on everyday spends without complex requirements.
Alternatives & Competitor Comparison
| Feature | Axis Bank My Zone Credit Card | Axis Bank Neo Credit Card |
|---|---|---|
| Card Image | |  |
| Card Network | Mastercard, RuPay, Visa | RuPay, Visa |
| USP | Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value. | The Axis Bank Neo Credit Card is a cost-effective rewards card perfect for frequent online shoppers and food delivery users, offering high-value cashback, exclusive partner discounts, and effortless everyday savings on utility bills and entertainment. |
| Annual Fee | 500 Lifetime free for select channels | 250 Lifetime free for select channels |
| Joining Fee | 500 Lifetime free for select channels | 250 Lifetime free for select channels |
| Welcome Benefits | Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance | 100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance; additional exclusive partner vouchers may be available during limited-time offers. |
| Lounge Access | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months | N/A |
| Reward Rate | Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%). | Earn 1 EDGE reward Point per ₹200 spent on most categories (excluding fuel, EMI, and a few other exceptions); additional instant partner discounts on select brands like Zomato, Myntra, and BookMyShow. |
| Interest Rate | 3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances. | 3.75% per month (55.55% per annum) |
| Best For | Food Ordering, Movies | Food Ordering, Movies, Online Shopping |
| Apply Now | Apply Now | Apply Now |
Frequently Asked Questions
What are the key benefits of the Axis Bank My Zone Credit Card?
The Axis Bank My Zone Credit Card offers instant discounts on Swiggy, Buy One Get One free movie tickets, a complimentary Sony LIV Premium subscription, reward points on every spend, and up to one complimentary domestic lounge access per quarter.
How can I waive the annual fee on the Axis Bank My Zone Credit Card?
You can waive the ₹500 annual fee on the Axis Bank My Zone Credit Card by spending ₹2 lakh or more during the card anniversary year.
What is the joining fee for the Axis Bank My Zone Credit Card?
The joining fee for the Axis Bank My Zone Credit Card is ₹500, which can be waived if you spend ₹5,000 within 45 days of card issuance.
Does the Axis Bank My Zone Credit Card offer foreign currency transaction benefits?
The card charges a 3.5% foreign exchange markup on international transactions, making it less suited for frequent foreign currency spends.
Who is the Axis Bank My Zone Credit Card best suited for?
The Axis Bank My Zone Credit Card is best for millennials and urban spenders who enjoy dining out, streaming entertainment, online shopping, and want lifestyle rewards along with flexible UPI payment options.
Final Verdict
Is the Axis Bank My Zone Credit Card right for you? If you’re a young, urban professional who values dining discounts, entertainment deals, and seamless UPI payments, this card offers great value with its rewarding benefits and lifestyle perks. While there is a joining and renewal fee, these can be waived with reasonable spending, making it affordable for everyday use. The complimentary Sony LIV subscription and movie ticket offers add to its appeal. However, if you travel internationally often, consider cards with lower forex charges. Ready to save on your lifestyle spends? Apply for the Axis Bank My Zone Credit Card today and start enjoying exclusive rewards and discounts tailored just for you!
