Axis Bank My Zone Credit Card
Fees
₹500 + Taxes
Joining & annual
1st year freeReward Rate
4 EDGE Reward Points per ₹200 spent (0.4% base rate); excludes fuel, utilities, rent, insurance & EMI
Welcome Bonus
Complimentary 1-year SonyLIV Premium subscription (worth ₹1,499) on first purchase within 30 days
Lounge
1 Domestic/Qtr (₹50K Spend)
Our Expert Take
Axis Bank My Zone is a free entertainment-focused card: expect discounts on movie tickets and food delivery apps plus domestic lounge access. The core EDGE reward point earn rate isn't clearly specified in the terms we have on file, so it's best evaluated for its discount perks rather than as a rewards-earning card.
Reward limits
Checked 27 Sep 2026 · Bank terms
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4 EDGE Reward Points per ₹200
No limit
No rewards on: Utilities & telecom (except the card's own bill channel), rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI
Pros & Cons
Key Advantages
- Discounts on movie tickets and food delivery apps
- Complimentary domestic airport lounge access
Limitations
- Base reward points multiplier features a relatively modest yield floor on standard everyday card spends outside target milestones
- Core essential categories like routine non-retail utility payments and cash advance withdrawals feature strict capping parameters
Key Perks & Spending Milestones
Accelerated reward multipliers on specific fashion and everyday online retail shopping streams
Instant discount codes on partnered food delivery apps
Complimentary domestic airport lounge terminal access locations inside primary transit hubs across India (Requires ₹50,000 spend in previous 3 months)
Up to 15% savings at partner restaurants through Axis Bank Dining Delights
Points tracked and redeemed through the EDGE Rewards app
1% fuel surcharge exemption shield operating smoothly across authorized domestic petroleum pumps
Spend milestone
Spend-based fee reversals and bonus point milestones (specific thresholds not clearly disclosed; confirm with Axis)
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes 1st year free
1st year annual fee is NIL; ₹500 renewal from year 2 onward, though Axis frequently offers this as a promotional Lifetime Free (LTF) card
Interest rate
Subject to standard annualized tiered interest architectures managed under Axis Bank card portfolio guidelines
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (700+)
Frequently Asked Questions
Did Axis Bank My Zone's benefits change in 2026?
What's the base reward rate on Axis Bank My Zone?
How does lounge access work on My Zone?
Compare Axis Bank My Zone Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank My Zone Credit Card This Card | ₹500 + Taxes | 4 EDGE Reward Points per ₹200 spent (0.4% base rate); excludes... | 1 Domestic/Qtr (₹50K Spend) | 4.0/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |