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
4.2
Lounge access
- Joining fee
- ₹500
- Annual fee
- ₹500
- Welcome bonus
- ₹1,499
- Forex markup
- 3.5%
- Interest p.a.
- 52.86%
- Min income
- ₹15,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
| All other spends | 0.4% | — | ₹480 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹500
Annual fee₹500
Annual fee waiverAnnual fee waived on annual spends of ₹5,000 (excluded categories do not count; some channels offer it as Lifetime Free)
Foreign currency markup3.5%
Finance charge (p.a.)52.86%
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
- 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
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
Compare with similar cards
- Top reward
- 3%
- Annual fee
- ₹50,000
- Welcome bonus
- ₹3,000 value
- Top reward
- 5%
- Annual fee
- ₹499
- Welcome bonus
- ₹499 value
- Top reward
- 4%
- Annual fee
- ₹5,000
- Welcome bonus
- ₹2,000 value