Axis Bank My Zone Credit Card
Axis Bank · Mastercard
Why this card?
- 0.4% back in reward points on eligible spends
- ₹500 joining and annual fee
- 4 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Axis Bank
- Network
- Mastercard
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 0.4% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
Axis My Zone is an entry-level entertainment card: a Sony LIV subscription, a recurring Swiggy discount, a spend-linked airport lounge visit each quarter and 4 EDGE reward points per ₹200 for a ₹500 annual fee. It is built for people who order in on Swiggy and stream regularly, not for people who want high reward rates. Axis has revised the card's benefits several times, so check the live offer on axis.bank.in before applying — and note that, contrary to what many listing sites claim, Myntra, BookMyShow and BigBasket cashback is not part of the card's official benefits.
Pros
- Sony LIV subscription included, with renewal on ₹1.5 lakh annual spend
- Instant Swiggy discount each month
- Quarterly domestic lounge visit on meeting the spend condition
- 1,000 bonus EDGE points on ₹1.5 lakh annual spend
Cons
- Low base reward rate — 4 EDGE points per ₹200
- ₹500 annual fee with no clearly published spend-based waiver — confirm with Axis Bank
- Lounge access depends on ₹50,000 spend in the previous three months
- 3.5% forex markup and a revised, more restrictive fuel-surcharge waiver
Frequently Asked Questions
What is the annual fee of the Axis Bank My Zone credit card?
Both the joining fee and the annual fee are ₹500 plus taxes. Axis Bank's published pages do not show a clear spend-based waiver for this card, so confirm on axis.bank.in before assuming one.
Does the Axis My Zone card give cashback on Myntra, BookMyShow or BigBasket?
Not as part of its official benefit list. The card's published benefits centre on EDGE reward points, a Swiggy discount, a Sony LIV subscription and a quarterly lounge visit. Treat any listing that promises 10% cashback on Myntra, BookMyShow or BigBasket as unverified.
How do you earn rewards on the Axis My Zone card?
4 EDGE reward points for every ₹200 spent on eligible categories, plus 1,000 bonus EDGE points when annual spends reach ₹1.5 lakh in a card anniversary year.
Does the My Zone credit card include lounge access?
One complimentary domestic airport lounge visit per calendar quarter, unlocked when you spend ₹50,000 in the previous three months. It is not unconditional access.
Is the Axis My Zone card good for Swiggy orders?
It carries an instant Swiggy discount each month, but Axis has changed the amount and cap over time (earlier versions offered a flat ₹120 off twice a month). Check the current offer before relying on it for value.