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Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Entry

Join / Annual

₹0/₹500

Base Rate

2.0%

Reward Type

Points

Overview

The Axis Bank My Zone Credit Card is a Entry credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹500
Eligibility: Age 18-70 years with a steady source of income.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 15.0% cashback (capped ₹500.0/txn) | monthly cap ₹500.0 | via EazyDiner
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points are earned on rent payments. A 1% fee is charged.
  • CATEGORY – Wallet: 0.0% cashback ⚠️ No reward points are earned on wallet load transactions.
  • CATEGORY – Utilities: 0.0% cashback ⚠️ No reward points are earned on utility bill payments. A 1% fee is charged.
  • CATEGORY – Insurance: 0.0% cashback ⚠️ No reward points are earned on insurance premium payments.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points are earned on EMI transactions.
  • CATEGORY – Education: 0.0% cashback ⚠️ No reward points are earned on educational service payments.
  • CATEGORY – Government Services: 0.0% cashback ⚠️ No reward points are earned on government payments.
  • CATEGORY – Movies: 0.0% cashback ⚠️ No reward points are earned on movie ticket purchases.

Key Features & Benefits

  • Welcome Benefit 🎁: Complimentary one-year SonyLIV Premium subscription (worth ₹999) on making the first transaction within 30 days of card issuance.
  • Movie Ticket Offer 🎬: Buy One Get One free on movie tickets via the District app, up to a maximum discount of ₹200 per month. Use code: AXIS200.
  • Swiggy Discount 🍔: ₹120 instant discount on food orders above ₹500 on Swiggy, twice per month. Use code: AXIS120.
  • AJIO Discount 🛍️: Flat ₹1,000 discount on a minimum spend of ₹2,999 on select styles at AJIO. Use code: AJIOAXISMZ.
  • Domestic Lounge Access ✈️: 1 complimentary visit to select domestic airport lounges per quarter, subject to spending ₹50,000 in the previous 3-month period.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
  • Milestone Benefit 🏆: 1,000 EDGE Reward Points on achieving annual spends of ₹1.5 lakh.

Eligibility Criteria

Age 18-70 years with a steady source of income.

Features & Benefits

🎁

Welcome Benefit

Complimentary one-year SonyLIV Premium subscription (worth ₹999) on making the first transaction within 30 days of card issuance.

🎬

Movie Ticket Offer

Buy One Get One free on movie tickets via the District app, up to a maximum discount of ₹200 per month. Use code: AXIS200.

🍔

Swiggy Discount

₹120 instant discount on food orders above ₹500 on Swiggy, twice per month. Use code: AXIS120.

🛍️

AJIO Discount

Flat ₹1,000 discount on a minimum spend of ₹2,999 on select styles at AJIO. Use code: AJIOAXISMZ.

✈️

Domestic Lounge Access

1 complimentary visit to select domestic airport lounges per quarter, subject to spending ₹50,000 in the previous 3-month period.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.

🏆

Milestone Benefit

1,000 EDGE Reward Points on achieving annual spends of ₹1.5 lakh.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Dining Via EazyDiner
Reward: 15.0% Monthly Cap: ₹500.0 Min Spend: ₹2500.0 Max per TX: ₹500.0
15%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.
Rent Exclusion
⚠️ Exceptions: No reward points are earned on rent payments. A 1% fee is charged.
Wallet Exclusion
⚠️ Exceptions: No reward points are earned on wallet load transactions.
Utilities Exclusion
⚠️ Exceptions: No reward points are earned on utility bill payments. A 1% fee is charged.
Insurance Exclusion
⚠️ Exceptions: No reward points are earned on insurance premium payments.
EMI Exclusion
⚠️ Exceptions: No reward points are earned on EMI transactions.
Education Exclusion
⚠️ Exceptions: No reward points are earned on educational service payments.
Government Services Exclusion
⚠️ Exceptions: No reward points are earned on government payments.
Movies Exclusion
⚠️ Exceptions: No reward points are earned on movie ticket purchases.

Value Chart

Assuming basic spends for Axis Bank My Zone Credit Card

Category Axis Bank My Zone Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹500 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 1.0% 1.0% 1.5%
★
Known Rules 		10 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Dining — 15.0% Points (cap ₹500.0)
  • + Welcome Benefit
  • + Movie Ticket Offer
  • + Swiggy Discount
  • + AJIO Discount
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • − No reward on Rent — No reward points are earned on rent payments. A 1% fee is ch
  • − No reward on Wallet — No reward points are earned on wallet load transactions.
  • − No reward on Utilities — No reward points are earned on utility bill payments. A 1% f
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹500

Net Value

+₹5500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The offer is available on the District app. You need to use the coupon code 'AXIS200' at checkout. The maximum discount is capped at ₹200 per month.

The value of one EDGE Reward Point is ₹0.20 when redeemed for various options in the Axis Bank rewards catalog.

The card has a standard joining and annual fee of ₹500 + GST. However, it is frequently offered as 'Lifetime Free' (LTF) through special promotions, which waives both fees.

You get one complimentary domestic lounge visit per quarter. To unlock this benefit, you must have spent a minimum of ₹50,000 in the previous three-month period.

No reward points are earned on fuel, rent, wallet loads, insurance, utilities, EMI transactions, educational services, and government payments.

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