Axis Bank My Zone Credit Card
Axis Bank · Mastercard · Entry card
A low-fee lifestyle card that bundles quarterly lounge access with entertainment perks: unusual at this fee level.
Entry-level users who value occasional lounge access and streaming/dining offers over raw cashback %.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.4%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 0.4% |
| Subscriptions & streaming | 0.4% |
| Online shopping | 0.4% |
| Groceries & essentials | 0.4% |
| Travel & hotels | 0.4% |
| Beauty & wellness | 0.4% |
| Offline store shopping | 0.4% |
| International spending | 0.4% |
| Healthcare & pharmacy | 0.4% |
| Other miscellaneous | 0.4% |
| Entertainment & movies | 0% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not specified
Requires ₹50,000 per Rolling three calendar months for the following calendar month
Spend condition: Spend ₹50,000 in the preceding three calendar months
Movies and entertainment
District · Buy one, get one · up to ₹200 · 1 use/month
Availability: Coupon AXIS200; movie transactions do not earn EDGE Reward Points..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 2 items
Eligible EDGE Reward Points
Usage-based value4 EDGE Reward Points per ₹200 applies to eligible purchases; movie, fuel, insurance, wallet, rent, utilities, jewellery, education, government and EMI transactions are excluded.
4 EDGE Reward Points per ₹200 on eligible spend, valued at ₹0.20 per point
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Welcome benefits · 1 item
First-year SonyLIV Premium membership
Recorded value ₹1,499Complimentary annual SonyLIV Premium subscription with published value of ₹1,499.
Conditions: Complete the first purchase within 30 days of card issuance · Issuer fulfilment and promotional eligibility rules apply
Spend milestones · 1 item
1,000 EDGE Reward Points at ₹1.5 lakh
1,000 reward unitsUnlocked after ₹1,50,000 of eligible spending.
Conditions: Reach ₹1,50,000 per card anniversary year
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not specified.
Conditions: Spend ₹50,000 per rolling three calendar months
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹2,400Buy one, get one offer up to ₹200, 1 time per month. Coupon AXIS200; movie transactions do not earn EDGE Reward Points.
Travel privileges · 1 item
7% Cleartrip flight discount up to ₹2,000 and 18% hotel discount up to ₹4,000, each once monthly
Shown without a cash value
Dining · 1 item
Axis Bank Dining Delights and Wednesday Delight offers
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible ₹400-₹4,000 transactions, capped at ₹400 per statement cycle
Shown without a cash value
Memberships · 1 item
First-year SonyLIV Premium membership after the qualifying first purchase
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Applicants must be resident Indians or NRIs aged 18-70; the public page does not publish one universal income threshold.
Other benefits · 1 item
Flat ₹120 off eligible Swiggy orders of at least ₹500, up to twice monthly
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 4 EDGE Reward Points per ₹200 on eligible spend, valued at ₹0.20 per point
- ✓ District buy-one-get-one movie offer up to ₹200 once monthly
- ✓ One domestic lounge visit per quarter after ₹50,000 spend in the preceding three calendar months
- ✓ First-year SonyLIV Premium membership after the qualifying first purchase
What to watch
Lounge access requires meeting a prior-quarter spend condition: it isn’t unconditional despite the low fee.
Recorded exclusions
Entertainment · Fuel Commute · Insurance · Wallet load · Rent · Bills Utilities · Gold Jewellery · Education Family · Government payments · Emi · Gift cards · Tolls bridges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Movie offer will gain a prior-spend condition
A published future change adds a spend condition to the District movie offer.
- Before
- One District buy-one-get-one offer up to ₹200 is available monthly without the new spend gate.
- After
- ₹25,000 eligible spend in the preceding three calendar months will be required.
Checked 21 Sept 2026Axis Bank MY ZONE future change notice ↗ - Value reduced
DCC markup and reward exclusions revised
Axis Bank revised the DCC charge and expanded categories that do not earn EDGE Reward Points.
- Before
- The prior DCC charge and exclusion list applied.
- After
- DCC is 3.5% before tax; gift-card, toll and additional notified transactions are excluded from rewards.
Checked 21 Sept 2026Axis Bank MY ZONE change notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 28 Aug 2026