Axis My Zone Credit Card benefits
- Rewards4
EDGE Reward points per ₹200 spent
- Benefit
Buy one get one on District movie tickets, on spends of ₹25,000 in the previous 3 months
- Benefit₹120
off on Swiggy orders of ₹500 or more
- Lounge4
domestic lounge visits a year, on spends of ₹50,000 in the previous 3 months
- Benefit
SonyLIV Premium annual subscription worth ₹1,499
- Travel7%
off flights
up to ₹2,000, and 18% off hotels, up to ₹4,000, on Cleartrip
Axis My Zone Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Utility and telecom, rent, wallet, government, insurance, gold and jewellery, fuel, gift cards, bridge, road and toll fees, cash advances and repayments.
All reward rules
- Axis Bank gives 4 EDGE Reward points per ₹200 spent, which is 2 points per ₹100.
- We use ₹0.20 per point, the value in Axis Bank's terms. The bank says this value can differ by card.
- Milestone benefit: 1,000 EDGE Reward points on spends of ₹1.5 lakh in a card anniversary year, from 1 April 2026. Movie, fuel, insurance, utility, rent, wallet, jewellery, education and government spends do not count. This is not in our maths.
- From 1 April 2026, the SonyLIV subscription is no longer renewed on spends of ₹1.5 lakh.
- A 1% fee applies to rent, and to education payments through third-party apps. A 1% fee also applies in a statement cycle if utilities reach ₹25,000, fuel ₹50,000, wallet loads ₹10,000 or online skill gaming ₹10,000.
What the Axis My Zone Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.4% | ₹144 |
| Dining and food delivery | ₹2,000 | 0.4% | ₹96 |
| Online shopping | ₹18,000 | 0.4% | ₹864 |
| Travel | ₹1,000 | 0.4% | ₹48 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 0.4% | ₹144 |
| Total | ₹30,000 | ₹1,296 | |
| Renewal fee with GST | −₹590 | ||
| You keep | ₹706* |
Axis My Zone Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Foreign currency markup
- 3.5%
Axis Bank's fee document shows ₹500 joining and ₹500 annual fees. The card page shows both as nil as a limited-period offer on the Visa network, and Axis Bank says the offer is valid till 31 December 2026. Check the fee shown when you apply. Fees are before GST.
Fuel surcharge: 1% fuel surcharge refunded on transactions of ₹400 to ₹4,000, up to ₹400 a month.
Axis My Zone Credit Card eligibility
- Age
- 18 to 70
Applicants must be residents of India or Non-Resident Indians. Axis Bank's page gives no income figure, and it says the criteria are only indicative.
The bank alone decides approval and your credit limit.
Axis My Zone Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic lounge visit per calendar quarter, only if you spent ₹50,000 in the previous 3 calendar months. For a new card, this condition is waived in the month of issue and the next 3 months.
Is the Axis My Zone Credit Card right for you?
A card with a ₹500 yearly fee, paying a below-average 0.4% on most spends.
Worth its fee if you spend about ₹14,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You fly a few times a year: it includes 4 domestic airport lounge visits a year.
- It is your first credit card: the terms are simple and the fee is low or nil.
Not for you if
- Your rewards would not reach ₹590 a year: that is the renewal fee with GST, and spending does not waive it.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Axis My Zone Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Axis My Zone Credit Card | ₹500 | 0.4% | ₹562* |
| SimplySAVE SBI Card | ₹499 | 1.67% | ₹2,163* |
| IDFC FIRST Classic Credit Card | Free | 1.25% | ₹1,755* |
If most of your spending looks like the example above, the SimplySAVE SBI Card may suit you better: it would leave you ₹1,483 a year, against ₹706 with the Axis My Zone Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Axis My Zone Credit Card?
Axis Bank's fee document shows ₹500 joining and ₹500 annual fees before GST. The card page shows both as nil as a limited-period offer on the Visa network.
Is the Axis My Zone Credit Card lifetime free?
Not under the standard fees. Axis Bank has a limited-period offer on the Visa network, valid till 31 December 2026, so check the fee shown when you apply.
How many reward points does the Axis My Zone Credit Card give?
It gives 4 EDGE Reward points per ₹200 spent. Utilities, rent, wallet, government, insurance, gold and jewellery, and fuel earn no points.
Does the Axis My Zone Credit Card give lounge access?
Yes. It gives 1 domestic lounge visit per calendar quarter, if you spent ₹50,000 in the previous 3 calendar months.
What is the eligibility for the Axis My Zone Credit Card?
The primary cardholder must be 18 to 70 years old and be a resident of India or a Non-Resident Indian. Axis Bank says the criteria are only indicative.