Axis Bank My Zone Credit Card

The Axis Bank My Zone Credit Card is designed for entertainment enthusiasts and lifestyle seekers who want to maximize savings on their everyday spending. This card offers exciting benefits on food delivery, movie tickets, OTT subscriptions, and shopping, making it an ideal companion for young professionals and families. With complimentary airport lounge access, fuel surcharge waivers, and attractive reward points, the My Zone Credit Card delivers excellent value for its modest annual fee. Whether you’re ordering dinner from Swiggy, catching the latest blockbuster, or shopping online at AJIO, this card ensures you save money while enjoying premium experiences.

Axis Bank My Zone Credit Card

Joining Fees	500
Annual Fees	500
Card Type	Cashback, Rewards
Network Type	Rupay

Rewards & Benifits

Welcome Benefit: Complimentary SonyLiv Premium annual membership (on first card spend within 30 days).
Base Rewards: Earn 4 EDGE Reward Points for every ₹200 spent (on retail spends, excluding many categories).
Movie Offer: Buy One Get One Free (BOGO) on movie tickets via Paytm Movies (Max discount ₹200/month).
Swiggy Offer: Flat ₹120 off on food orders of ₹500 or more, applicable twice per month.
Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (on quarterly spend milestone).
Dining Discount: Up to 15% off (Max ₹500) on dining via EazyDiner (on minimum order value).
Shopping Discount: Up to ₹1,000 off on AJIO on minimum spends of ₹2,999 (on select styles).
Fuel Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (Max waiver ₹400/month).

Fees & Charges

Joining Fee: Rs. 500
Annual Fee: Rs. 500
Add-on Card Joining Fee: Nil
Add-on Card Annual Fee: Nil
Card Replacement Fee: Nil
Cash Payment Fee: Rs. 175
Finance Charges: 3.75% per month (55.55% per annum) on retail purchases and cash
Cash Withdrawal Fees: 2.5% of cash amount (Minimum Rs. 500)
Late Payment Fee: Nil if total payment due is up to Rs. 500; Rs. 500 if between Rs. 501 - Rs. 5,000; Rs. 750 if between Rs. 5,001 - Rs. 10,000; Rs. 1,200 if greater than Rs. 10,000. Additional Rs. 100 charged for missing MAD payment for two consecutive cycles
Over Limit Penalty: 2% of payment amount (Minimum Rs. 500)
Cheque Return/Dishonour Fee: 2% of payment amount (Minimum Rs. 500)
Foreign Currency Transaction Fee: 3.50% of transaction value
Reward Point Redemption Fee: Rs. 99 per redemption transaction
Rent Transaction Fee: 1% of transaction amount
Education Transaction Fee: 1% on each education payment through third-party apps
Wallet Load Transaction Fee: 1% on cumulative wallet loads of Rs. 10,000 or more in a statement cycle
Fuel Transaction Fee: 1% on cumulative fuel transactions of Rs. 50,000 or more in a statement cycle
Utility Transaction Fee: 1% on cumulative utility spends of Rs. 25,000 or more in a statement cycle
Online Skill-based Gaming Transaction Fee: 1% on cumulative spends of Rs. 10,000 or more on gaming platforms
Dynamic Currency Conversion Markup: 1.5% of transaction amount
GST: As per existing Government norms

Card Details

Card Network: Available on both Visa and Mastercard networks
Interest-free credit period: Up to 50 days on purchases (if previous bill settled in full)
Reward points not earned on: Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions, and EMI transactions
EMI conversion available: on transactions over Rs. 1,500
Chip and PIN protection: for enhanced security
Mobile alerts for transactions: Free
Duplicate statement fee: Waived
Balance enquiry charges: Waived
Hotlisting charges: Nil
Annual benefits worth: up to Rs. 13,499 available

Pros & Cons

Pros

Low annual fee of just Rs. 500 with valuable benefits
Free SonyLIV Premium subscription worth Rs. 1,499 annually
Attractive discounts on Swiggy, movies, and shopping platforms
Complimentary quarterly airport lounge access
Decent reward earning rate of 2% on eligible spends
Fuel surcharge waiver up to Rs. 400 per month
No add-on card fees for family members

Cons

Lounge access requires Rs. 50,000 spend in previous 3 months
No reward points on several categories including fuel, utilities, and rent
Reward redemption fee of Rs. 99 per transaction
High foreign currency markup of 3.50%
Additional fees on wallet loads, rent, and utility payments exceeding thresholds
SonyLIV benefit limited to customers onboarded before 31st March 2025

ELIGIBILITY CRITERIA

Age: Primary cardholder should be between 18 to 70 years of age. Add-on cardholders should be 15 years onwards.

Residential Status: Applicant should be a Resident of India or Non-Resident Indian (NRI).

Income: Not specified on the official page.

Credit Score: Not specified on the official page.

Documentation Required: Identity proof, residence proof, PAN card/Form 60, income proof, and color photograph.

Note: These criteria are only indicative and the bank reserves the right to approve or decline applications for credit cards.

WELCOME BENEFITS

Free SonyLIV Premium Subscription: Receive a SonyLIV Premium annual subscription valued at Rs. 1,499 for free with your first purchase within the first 30 days of card issuance. Customers eligible for promotional offers will receive their voucher code via SMS to their registered mobile number within 45 days following the issuance of the card.

Note: This benefit is applicable to customers onboarded before 31st March 2025. Customers are also eligible for SonyLIV Premium membership renewal on spending Rs. 1.5 lakhs in a card anniversary year (applicable only on paid cards, excluding Rent and Wallet transactions).

CARD REVIEW

The Axis Bank My Zone Credit Card is an excellent entry-level lifestyle card that punches above its weight. With a nominal annual fee of Rs. 500, it offers outstanding value through a free SonyLIV Premium subscription, attractive dining and entertainment discounts, and quarterly airport lounge access. The card is best suited for young professionals, entertainment enthusiasts, and families who frequently use Swiggy, watch movies, and shop online. The 2% reward rate on eligible spends is competitive, though the Rs. 99 redemption fee and exclusion of several spending categories from rewards are drawbacks. The Rs. 50,000 quarterly spend requirement for lounge access might be challenging for moderate spenders. Overall, it’s a solid choice for lifestyle benefits at an affordable price point, especially if you can maximize the entertainment perks.

Platform

Platform Overview

Skara Financial Services

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Home Loan

Business Loan

Vehicle Loan

Axis Bank My Zone Credit Card