If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.

Axis Bank

Axis Bank MY ZONE Credit Card

Lounge accessVerifying

Joining fee incl. GST: ₹590
Renewal fee incl. GST: ₹590
Conditional welcome value: Up to ₹1,499
Forex markup: 3.5%
Interest p.a.: 55.55%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Activated on first transaction within 30 days of issuance

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Annual milestone exclusions need full qualifying-spend schedule before automatic inclusion. Sony LIV availability/value and targeted fee-free offer require the actual offer.

Spend category	Reward rate	Reward limit
Other eligible purchases	0.4%	—

Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Education, Insurance, Entertainment. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹500

Annual fee₹500

Annual fee waiverAxis Bank's Key Fact Sheet (18 August 2026) lists no spend-based annual fee waiver for this card. The ₹500 fee does not apply where the card was issued as Lifetime Free or on different fee terms stated in the application form.

Foreign currency markup3.5%

Finance charge (p.a.)55.55%

Fuel surcharge waiver1%, up to ₹400/mo

Spend milestones

Annual spend	Benefit	Value
₹1,50,000	1,000 EDGE Reward Points (≈₹200 at ₹0.20/point) on ₹1,50,000 annual spend (effective 1 Apr 2026; evaluated 60 days after anniversary)	₹200

Key benefits

Airport lounge access — 1/quarter domestic (₹50,000 spend in the previous 3 months (typically waived for the first few months after issuance))
4 EDGE Reward Points per ₹200 spent (~0.4% value-back at ₹0.20/point)
Complimentary 1-year Sony LIV Premium membership
Buy-one-get-one on movie tickets (via District app), up to ₹200/month on 2nd ticket; from 1 November 2026 requires ₹25,000 of spend in the previous three months
Swiggy ₹120 off on orders ₹500+ (twice/month)
15% dining discount up to ₹500 via EazyDiner (once/month)
AJIO up to ₹1,000 off on ₹2,999+
1% fuel surcharge waiver
No rewards on gift cards, bridge fees, road fees or tolls (from 28 August 2026); gift cards are their own spend category
Movie purchases earn no points. The entertainment input conservatively earns zero because it does not distinguish movies from other entertainment.

What we like

+Low entry fee (₹500) with strong lifestyle value (Sony LIV, dining, Swiggy, AJIO)
+Buy-one-get-one movie tickets — good for frequent moviegoers
+Quarterly domestic lounge access
+1% fuel surcharge waiver

What to watch

−Low base reward rate (~0.4% value-back)
−Wide list of excluded categories (fuel, utilities, rent, insurance, wallet, jewellery, education, government, EMI)
−Lounge access gated behind ₹50,000 quarterly spend
−3.5% foreign markup — not ideal for international use
−Dynamic currency conversion markup rises from 1.5% to 3.5% on 28 August 2026 — decline rupee billing abroad to avoid it and keep the network rate

Eligibility

Age 18–70

Salaried min income ~₹15,000/month; self-employed ~₹30,000/month (figures vary by source). Resident Indians / NRIs.

Check Axis Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this