Axis Bank MY ZONE Credit Card
Updated 15 Apr 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 4 annual 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 0.40%
Welcome Benefits
- Not applicable
AxisplatinumentryRewards and Benefits
Rewards Rate
Base 0.40% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on PVR / Paytm
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- SonyLIV subscription — Complimentary 12-month SonyLIV Premium subscription on joining.
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 ₹400 per monthly.
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 (4/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Complimentary domestic airport lounge access (4/annual).
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
Airport lounge access
Domestic
4 visit(s) / annual. Via mastercard, dreamfolks.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Other benefits
- SonyLIV subscription. Complimentary 12-month SonyLIV Premium subscription on joining. (≈ ₹999 value)
Sources
- : www.axisbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.