Axis Bank MyZone Credit Card

At a glance

Should you consider this card?

Spend Type	Ideal Use Case
₹1.5L/year	Unlock SonyLiv renewal benefit
₹50K/quarter	Qualify for lounge access
Dining & Movies	Maximize value with BOGO and dining offers
Online Shopping	Avail discounts on Swiggy and AJIO
Moderate users	Great value if monthly spend is ₹15K–₹20K

Annual fee₹500 + GST

Joining fee₹500 + GST

Forex markup3.5%

Welcome benefit

Complimentary annual SonyLiv Premium subscription worth ₹999 upon making the first transaction within 30 days of card issuance.

Earning and using rewards

Rewards that matter

How you earn

Earn 4 EDGE Reward Points for every ₹200 spent.
Reward points can be redeemed for a variety of options including merchandise, vouchers, and more via the EDGE Rewards portal.
Note: Reward points are not accrued on transactions related to fuel, wallet reloads, insurance, utility payments, EMIs, education, and government services.

How to redeem

Redeem EDGE Reward Points for a variety of options including merchandise, vouchers, and more via the EDGE Rewards portal.

Renewal benefit

Renewal benefit: Complimentary SonyLiv Premium subscription on spending ₹1.5 lakhs in an anniversary year.

Spend thresholds

Milestone benefits

Renewal benefit: Complimentary SonyLiv Premium subscription on spending ₹1.5 lakhs in an anniversary year.

Cost and conditions

Fees and charges

Joining fee	₹500 + GST
Annual fee	₹500 + GST
Forex markup	3.5%
Fuel surcharge	1% waiver on transactions between ₹400 and ₹4,000, up to ₹400 per month.
Reward redemption	Applicable as per Axis Bank's terms.
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Cash advance	2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction.
Late payment	0 to ₹1,200 as per slab

No annual fee waiver; however, renewal benefit available on spending ₹1.5 lakhs in an anniversary year.

What works well

Complimentary SonyLiv subscription enhances entertainment value.

Attractive discounts on Swiggy, Paytm Movies, and AJIO.

Affordable annual fee with substantial lifestyle perks.

Consider before applying

Reward points are not accrued on several transaction categories.

Limited reward point redemption options.

No international lounge access.

Travel, insurance and more

Benefits and privileges

Movies: Buy One Get One free on movie tickets via District Movies, up to ₹200 per month.
Dining: Up to 15% discount (max ₹500) once per month at partner restaurants via EazyDiner on a minimum bill of ₹2,500.
Swiggy: ₹120 off on orders of ₹500 or more, twice a month.
Shopping: ₹600 off on AJIO purchases of ₹2,000 or more.
Lounge Access: 1 complimentary domestic airport lounge access per quarter on spending ₹50,000 in the previous 3 months.
Fuel: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, up to ₹400 per month.

Before you apply

Eligibility and application

Who may be eligible

Age: 18–70 years
Indian resident or NRI
Stable and verifiable source of income

Application process

Apply online via: https://credofly.com/go/axis-myzone

Check eligibility with Axis Bank ↗

Our take

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.

Answers before applying

Frequently asked questions

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?