Axis Bank MyZone Credit Card
A lifestyle credit card offering entertainment, dining, and shopping benefits at an affordable fee.
Network: Rupay, Mastercard, Visa | Type: Rewards and First | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
- Waiver: No annual fee waiver; however, renewal benefit available on spending ₹1.5 lakhs in an anniversary year.
- Foreign Markup: 3.5%
- Fuel Surcharge: 1% waiver on transactions between ₹400 and ₹4,000, up to ₹400 per month.
- Redemption Fee: Applicable as per Axis Bank's terms.
- Late Payment Fee: 0 to ₹1,200 as per slab
- Interest Rate: 3.75% per month (45% per annum)
- Cash Advance: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction.
Credofly Review
The Axis Bank My Zone Credit Card stands out in the entry-level segment by offering a rich array of lifestyle benefits. From complimentary SonyLiv subscription to dining and shopping discounts, it caters to the modern consumer’s needs. While the reward points structure is modest, the card’s real value lies in its direct discounts and offers, making it a compelling choice for those who frequently engage in entertainment and dining activities.
Rewards & Earnings
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Earn 4 EDGE Reward Points for every ₹200 spent.
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Reward points can be redeemed for a variety of options including merchandise, vouchers, and more via the EDGE Rewards portal.
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Note: Reward points are not accrued on transactions related to fuel, wallet reloads, insurance, utility payments, EMIs, education, and government services.
Redeem EDGE Reward Points for a variety of options including merchandise, vouchers, and more via the EDGE Rewards portal.
Benefits
- Welcome:
Complimentary annual SonyLiv Premium subscription worth ₹999 upon making the first transaction within 30 days of card issuance.
- Milestone:
- Renewal benefit: Complimentary SonyLiv Premium subscription on spending ₹1.5 lakhs in an anniversary year.
- Renewal:
Renewal benefit: Complimentary SonyLiv Premium subscription on spending ₹1.5 lakhs in an anniversary year.
- Lifestyle:
dining benefits, movie
Why We Like It
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Offers a blend of lifestyle benefits including entertainment, dining, and shopping.
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Affordable annual fee with substantial perks.
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Ideal for young professionals and first-time credit card users.
Pros & Cons
✅ Pros
Complimentary SonyLiv subscription enhances entertainment value.
Attractive discounts on Swiggy, Paytm Movies, and AJIO.
Affordable annual fee with substantial lifestyle perks.
❌ Cons
Reward points are not accrued on several transaction categories.
Limited reward point redemption options.
No international lounge access.
Eligibility & Application
Eligibility:
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Age: 18–70 years
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Indian resident or NRI
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Stable and verifiable source of income
How to Apply:
Apply online via: https://credofly.com/go/axis-myzone
FAQs
What is the annual fee for Axis Bank My Zone Credit Card?
₹500 + GST
Is there a welcome benefit?
Yes, a complimentary annual SonyLiv Premium subscription worth ₹999 upon making the first transaction within 30 days of card issuance.
What are the movie benefits?
Buy One Get One free on movie tickets via Paytm Movies, up to ₹200 per month.
Are there dining discounts?
Yes, up to 15% discount (max ₹500) once per month at partner restaurants via EazyDiner on a minimum bill of ₹2,500.
Is there any fuel surcharge waiver?
Yes, 1% waiver on transactions between ₹400 and ₹4,000, up to ₹400 per month.
What is the reward point structure?
Earn 4 EDGE Reward Points for every ₹200 spent. Note: Reward points are not accrued on transactions related to fuel, wallet reloads, insurance, utility payments, EMIs, education, and government services.
How can I redeem my reward points?
Redeem EDGE Reward Points for a variety of options including merchandise, vouchers, and more via the EDGE Rewards portal.
User Reviews
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