Axis Bank My Zone Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
Overview
Axis Bank My Zone Credit Card by Axis Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Accelerated Rewards: Buy 1 Get 1 free movie ticket on District / Paytm Movies (up to ₹200 discount per month)
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
Complimentary 1-year SonyLIV Premium subscription worth ₹999 upon first transaction within 30 days; Qualification Criteria: First card spend within 30 days of issuance; Fulfillment Timeline: Voucher code delivered via SMS within 30 days
Milestone Benefit
Spend ₹2 Lakhs (Annual): Annual renewal fee waiver of ₹500; Annual Fee Waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
Redemption
Axis EDGE Rewards catalog for gift vouchers, electronics, and partner services at 1 RP = ₹0.20
Benefits
- Domestic Airport Lounge: 4 per year (1 per calendar quarter upon ₹50,000 previous quarter spend) via Visa / Mastercard / RuPay Lounge
- Fuel Surcharge Waiver: 1% (Max waiver ₹400 per month)
- Flat ₹120 Off on Swiggy: Flat ₹120 discount on Swiggy on minimum order value of ₹500 twice a month using promo code AXISMYZONE. (Twice a month usage, Min order ₹500) [Partners: Swiggy]
Things to Know Before you apply
Axis Bank My Zone Credit Card Eligibility Criteria
- Age: 18–70 years
- Salaried min ₹15,000/month; Self-employed min ITR ₹2,50,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Axis Bank My Zone Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Axis Bank My Zone Credit Card issued by Axis Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Complimentary 1-year SonyLIV Premium subscription worth ₹999 upon first transaction within 30 days
- • Qualification Criteria: First card spend within 30 days of issuance
- • Fulfillment Timeline: Voucher code delivered via SMS within 30 days
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • 500 CashPoints on payment of joining fee
- • Qualification Criteria: Joining fee realization
- • Fulfillment Timeline: 30-45 days post fee realization
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Accelerated Rewards: Buy 1 Get 1 free movie ticket on District / Paytm Movies (up to ₹200 discount per month)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints per calendar month)
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions