Axis Bank
Axis Bank MY ZONE Credit Card
4.2 / 5visa · mastercard · rupay
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 0.4%
- Min income
- ₹15,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 52.86%
Benefits
- ▸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
- ▸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
The good
- + 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
The catch
- − 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