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 Access
1 Domestic/Qtr (₹50K Spend)
FindMyCard 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.
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
Editorial Verdict
The Axis Bank My Zone Credit Card is ideally suited for everyday entertainment, movie ticket bookings, food delivery, and co-branded partner discounts. If you want 4 edge reward points per ₹200 spent (0.4% base rate); excludes fuel, utilities, rent, insurance & emi, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (700+) credit to be approved.
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
🚀 Milestone Spends Timeline
Spend-based fee reversals and bonus point milestones (specific thresholds not clearly disclosed; confirm with Axis)
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 1st year annual fee is NIL; ₹500 renewal from year 2 onward, though Axis frequently offers this as a promotional Lifetime Free (LTF) card
Regular Interest Charges
Subject to standard annualized tiered interest architectures managed under Axis Bank card portfolio guidelines
📅 Late Payment Fee Penalty Tiers
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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 |