Axis Bank My Zone Credit Card
An offers-led card with a ₹500 fee: four EDGE REWARD Points per ₹200, a free second movie ticket on District, ₹120 off Swiggy twice a month, a SonyLIV Premium year on activation and a domestic lounge visit each quarter; Axis Bank does not state a rupee value for its points. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: the base reward rate written as a figure (Axis writes "four" EDGE REWARD Points per ₹200); rupee value of a reward point; a base reward rate for other spends. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| No spend-based annual fee waiver is published (the Axis listing tags the card 'Fee waiver' but neither the product page nor the MITC states one). GST is added as per Government norms. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|
Axis states the earn rate in words: four EDGE REWARD Points for every ₹200 spent (see the quoted fact); it is left out of the rules because the figure is not written as a number. Movie tickets, jewellery, gift cards and tolls also earn no points. The fee table says a reward redemption fee applies but does not state the amount.
No rewards on
- Fuel Product page
- Insurance Product page
- Wallet loads Product page
- Rent Product page
- Utilities and telecom Product page
- Education Product page
- Government institutions Product page
Benefits
- Lounges: 1 visit a calendar quarter to select airport lounges in India — ₹50,000 of spend in the previous 3 months Product page
- Fuel: 1% fuel surcharge refunded on fills of ₹400 to ₹4,000, up to ₹400 a statement cycle (also on credit card UPI payments) Product page
- Welcome: SonyLIV Premium annual subscription valued at ₹1,499 on the first purchase within 30 days of issue Product page
- Milestone: 1,000 EDGE REWARD Points on ₹1.5 lakh of eligible spend in a card anniversary year Terms
Also on this card
Quoted from Axis Bank; not counted in the net value.
- District app: second movie ticket free, up to ₹200 off a month (from 1 Nov 2026 it needs ₹25,000 of spend in the previous 3 months) Product page
- Swiggy: flat ₹120 off food orders of ₹500 or more, twice a month Product page
- Cleartrip: 7% off flights (up to ₹2,000) and 18% off hotels (up to ₹4,000), once a month each Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI (the page says the fuel waiver also applies to credit card UPI payments, but no document names a RuPay variant)
- the rupee value of an EDGE REWARD Point on this card
- a spend-based annual fee waiver
- a minimum income
Where Axis Bank’s documents differ, and what is used
- Fuel surcharge cap: the fee table says up to ₹400 a month; the benefit description says up to ₹400 a statement cycle. The statement-cycle wording is used.
- Lounge: the Axis listing says lounge access 4 times a year; the product page gives one visit a calendar quarter on ₹50,000 of spend in the previous 3 months.
The quotes behind the figures
25 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining fee ₹500”
“Annual Fee ₹500 Add-on Card Joining Fee Nil”
“Foreign Currency Transaction Fee 3.50% of the transaction value”
“Excluded spend categories for reward earn: Transactions made on Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery, Fuel, Cash advances and Repayments.”
“Please Note - EDGE Reward Points will not be earned on spends towards Movie, Fuel, Insurance, Wallet, Rent, Utilities, Education, Government Institutions, EMI transactions, Jewellery, Gift Card, Bridge Fees, Road Fees and Tolls.”
“MY ZONE Credit Card 500 500 Nil”
“Reward Point Redemption fee yes”
“Enjoy complimentary airport lounge access* (4 times per year)”
“Applicable on CC on UPI transactions as well.”
“Spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions will be excluded from the calculation.”
“To be eligible for the "Buy one get one" free District offer, you need to spend INR 25,000 in the previous 3 months.”
“1% of transaction amount (Refunded for fuel transactions between ₹400 to ₹4,000. Maximum benefits up to ₹400 per month)”
“Finance Charges (Retail Purchases & Cash) 3.75% per month (55.55% per annum)”
“Earn four EDGE REWARD points for every ₹200 spent using your credit card.”
“Benefit from one complimentary access per calendar quarter to select airport lounges in India with your Axis Bank My Zone Credit Card. Benefit unlocked on spends of ₹50,000 in previous 3 months.”
“1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank MY Zone Credit Card.”
“This offer is valid for transactions between ₹400 and ₹4,000, with a maximum benefit of up to ₹400 per statement cycle.”
“Receive a SonyLIV premium annual subscription valued at ₹1499 for free with your first purchase within first 30 days of issuance.”
“Starting 1st April 2026, you will be eligible to earn 1,000 EDGE REWARD Points on achieving annual spends of INR1.5 lakhs in your card anniversary year.”
“Get up to ₹200 off per month.”
“Offer applicable on minimum spends of ₹500. Customer can redeem the code upto 2 times a month per user ID on Swiggy.”
“Enjoy Flat 7% discount (up to ₹2,000) on domestic and international flight bookings and flat 18% discount (up to ₹4,000) on hotel bookings.”
“Best Seller Lifestyle Fuel UPI card Fee waiver Shopping Food & Dining Entertainment Axis Bank My Zone Credit Card”
“Primary cardholder should be between 18 to 70 years of age”
“These criteria are only indicative and the bank reserves the right to approve or decline applications for credit cards. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology