Axis Bank MY ZONE Credit Card
Updated 3 Jul 2026Source-linked
The Axis Bank MY ZONE Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹500 + GST.
Cardholders get 1 quarterly domestic airport lounge access.
Axis Bank MY ZONE Credit Card
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForEveryday spends
- Reward TypeEDGE Reward Points (points)
Rewards Rate
- Base rate 0.36%
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
AxisplatinumentryRewards and Benefits
Rewards Rate
Base 0.36% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹1,50,000 / annual: 1,000 EDGE REWARD Points on annual spends of ₹1.5 lakhs in the card anniversary year
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on District
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Swiggy instant discount — Flat ₹120 off on food delivery at Swiggy with My Zone Credit Card.
- Cleartrip travel benefit — Flat 7% off (up to ₹2,000) on domestic and international flight bookings and flat 18% off (up to ₹4,000) on hotel bookings via Cleartrip, once per month each.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹54/mo
- Groceries₹8,000 · 0.4% = ₹29/mo
- Dining & food delivery₹8,000 · 0.4% = ₹29/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹36/mo
- Utilities & bills₹5,000 · 0.4% = ₹18/mo
Est.net rewards for this spend, realistic
₹1,987/yr₹1,987 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by Axis Bank.
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Complimentary domestic airport lounge access (1/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
Milestone benefits
- ₹1,50,000 / annual: 1,000 EDGE REWARD Points on annual spends of ₹1.5 lakhs in the card anniversary year (≈ ₹200 value)
Airport lounge access
Domestic
1 visit(s) / quarterly. Via mastercard, dreamfolks.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per statement.
Other benefits
- Swiggy instant discount. Flat ₹120 off on food delivery at Swiggy with My Zone Credit Card.
- Cleartrip travel benefit. Flat 7% off (up to ₹2,000) on domestic and international flight bookings and flat 18% off (up to ₹4,000) on hotel bookings via Cleartrip, once per month each.
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.