Credit Cards · Honest Review
Axis Bank My Zone Credit Card
Axis Bank · Visa
Your Verdict
- ✓4 EDGE Reward Points per 200 spent on eligible categories
- ✓Buy One Get One movie offer via District App, up to 200/month
- ✓Flat 120 off on Swiggy orders twice a month
- ✓Quarterly complimentary domestic lounge access on 50,000 prior-quarter spend
- ✓Often issued lifetime free, making it a low-cost lifestyle card
What Axis Bank My Zone Credit Card costs you
Axis Bank My Zone Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend 5,000 within 45 days of card issuance to waive joining/annual fee.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend 5,000 within 45 days of card issuance to waive joining/annual fee |
| Spend required for waiver | ₹5,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Axis Bank My Zone Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on entertainment & ott and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| 🎬 Entertainment & OTT | 2% (cap ₹200/mo) |
Complimentary 1-year SonyLIV Premium subscription on first purchase within 30 days
Reward types: Points · Discounts · Lounge
Beyond the reward rate
The non-reward benefits on Axis Bank My Zone Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Axis Bank My Zone Credit Card
Axis Bank My Zone Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹15,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 18–70 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5-7 working days |
Often available as lifetime free through select channels including the Axis Mobile App.
Who should (and shouldn't) get Axis Bank My Zone Credit Card
- → Heavy spenders on entertainment & ott who want 2% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
- → International travelers — the 3.5% forex markup adds up quickly
Axis Bank My Zone Credit Card — Questions answered
What is the annual fee for Axis Bank My Zone Credit Card?
What is the minimum income required for Axis Bank My Zone Credit Card?
What is the reward rate on Axis Bank My Zone Credit Card for entertainment & ott?
Does Axis Bank My Zone Credit Card provide airport lounge access?
How do I get the annual fee waived on Axis Bank My Zone Credit Card?
How long does it take to get Axis Bank My Zone Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.