Axis My Zone Credit Card – Benefits, Fees & Eligibility

Axis My Zone Credit Card

The Axis My Zone Credit Card is an entry-level offering from Axis Bank, designed to provide substantial value through various lifestyle benefits. Cardholders are welcomed with a complimentary premium SonyLIV annual subscription, valued at ₹1,499. With a nominal joining and annual fee, the card offers an array of perks including movie and dining discounts, complimentary domestic airport lounge access, and exclusive shopping offers on platforms like AJIO. It provides a reward rate of 4 EDGE Points for every ₹200 spent on eligible categories, catering well to new-to-credit individuals, millennials, and Gen Z who frequently spend on entertainment, food, and shopping. The card is also available on the RuPay network, enabling convenient UPI payments.

Welcome Benefits

• Receive a complimentary SonyLIV Premium annual subscription, valued at ₹1,499.
• This benefit is available with your first purchase made within the first 30 days of card issuance.
• The voucher code will be sent via SMS to your registered mobile number within 45 days of card issuance.
• Customers eligible for promotional offers will receive their voucher code via SMS within 60 days after the annual fees are paid.

Fees

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST
  • The complimentary SonyLIV Premium membership is renewed annually upon spending a minimum of ₹1.5 lakhs in a card anniversary year (applicable only to paid cards and customers onboarded before March 31, 2025).
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Card Replacement Fee: Nil
• Cash Payment Fee: ₹175
• Duplicate Statement Fee: Waived
• Charge Slip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Mobile Alerts for Transactions: Free
• Hotlisting Charges: Nil
• Balance Enquiry Charges: Waived
• Finance Charges (Retail Purchases & Cash): 3.75% per month (55.55% per annum) or 3.6% per month (52.86% per annum).
• Cash Withdrawal Fees: 2.5% of the cash amount, subject to a minimum of ₹500.
• Overdue Penalty or Late Payment Fee:
  • Nil if total payment due is up to ₹500.
  • ₹500 if total payment due is between ₹501 - ₹5,000.
  • ₹750 if total payment due is between ₹5,001 - ₹10,000.
  • ₹1,200 if total payment due is greater than ₹10,000.
  • An additional charge of ₹100 will be levied for missing the Minimum Amount Due (MAD) payment by the due date for two consecutive cycles. This charge will continue for every payment cycle until the MAD is cleared.
• Over Limit Penalty: 2% of the over-limit amount, subject to a minimum of ₹500.
• Cheque Return or Dishonour Fee or Auto-debit Reversal: 2% of the payment amount, subject to a minimum of ₹500.
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC / Indian Railways.
• Fuel Transaction Surcharge Transaction: 1% of the transaction amount. This is refunded for fuel transactions between ₹400 and ₹4,000, with a maximum benefit of up to ₹400 per statement cycle. GST charged on fuel surcharge is non-refundable.
• Foreign Currency Transaction Fee: 3.50% of the transaction value.
• Reward Point Redemption Fee: While one source states "yes," another explicitly states "Nil." Please check the latest terms and conditions for clarification.
• GST: As per existing Government norms.
• Rent Transaction Fee: 1% of the transaction amount, plus applicable GST.
• Dynamic Currency Conversion Markup: 1.5% of the transaction amount. Applicable on international transactions performed in Indian currency at international locations, or transactions performed in Indian currency with merchants located in India but registered in a foreign nation. Applicable GST.
• Education Transaction Fee: 1% on each education payment made through third-party apps, plus applicable GST.
• Wallet Load Transaction Fee: 1% on cumulative wallet load transactions of ₹10,000 or more in a statement cycle, plus applicable GST.
• Fuel Transaction Fee (Cumulative): 1% on cumulative fuel transactions of ₹50,000 or more in a statement cycle, plus applicable GST.
• Utility Transaction Fee (Cumulative): 1% on cumulative spends of ₹25,000 or more made towards utility payments in a statement cycle, plus applicable GST.
• Online Skill-Based Gaming Transaction Fee (Cumulative): 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period, plus applicable GST.

Rewards

• General Rewards:
  • Earn four EDGE REWARD points for every ₹200 spent using your credit card.
  • No reward points will be credited for Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions, and EMI transactions.
• Movies:
  • Enjoy "Buy One Get One Free" on movie tickets booked via the District app.
  • Get up to ₹200 off per month on your second movie ticket.
  • Use coupon code AXIS200 to avail of this discount.
  • No reward points are earned on movie transactions.
  • This benefit can yield savings of up to ₹2,400 annually.
• Dining:
  • Swiggy Discount: Get a flat ₹120 off on food delivery at Swiggy on minimum spends of ₹500.
    • Use coupon code AXIS120 to avail the discount.
    • Maximum discount is capped at ₹120 per order.
    • Customer can redeem the code up to 2 times a month per user ID on Swiggy.
    • Offer applicable on all restaurant orders where alliance offers are applicable.
    • Not applicable on Haldiram's Restaurants across India.
    • This can lead to annual savings of ₹2,880 (₹240/month).
  • Dining Delights: Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program. Get 15% off up to ₹500 on a minimum order of ₹1,500 via the exclusive dining program of Axis Bank in collaboration with EazyDiner. This discount can be availed once per month, yielding savings of ₹6,000 annually.
• Travel (Lounge Access):
  • Benefit from one complimentary access per calendar quarter to select airport lounges in India (total 4 per year).
  • This benefit is unlocked on spends of ₹50,000 in the previous 3 calendar months.
  • For newly issued cards, the minimum spend criteria is waived for the month of card issuance as well as for the following 3 calendar months.
  • List of Domestic Airport Lounges:
    • Bangalore:
      • 080 Domestic Lounge (Domestic T2)
      • BLR Domestic Lounge (Domestic T1)
    • Chennai:
      • Travel Club Lounge A (Domestic T1)
      • Travel Club Lounge B (Domestic T1)
    • Hyderabad:
      • Encalm Lounge (Domestic T1)
    • Kolkata:
      • Travel Club Lounge (Domestic T1)
    • Mumbai:
      • Travel Club Lounge (Domestic T1C)
      • Adani Lounge (Domestic T2)
    • New Delhi:
      • Encalm Lounge (Domestic T1)
      • New Delhi Domestic T2 Lounge (Domestic T2)
      • Encalm Lounge (Domestic T3)
• Shopping:
  • AJIO Discount (Offer 1): Save up to ₹1,000 at AJIO on minimum purchases of ₹2,999.
    • Use coupon code AJIOAXISMSZ.
    • Valid from May 1, 2023, till August 15, 2025.
    • Applicable on select styles (T-shirts, jackets, sweaters, sweatshirts, party wear, etc.).
  • AJIO Discount (Offer 2): Save ₹300 at AJIO on minimum purchases of ₹2,000.
    • Use coupon code AJIOAXIS300.
    • Valid once per card till March 31, 2026.
    • Applicable on select styles.
    • This benefit can yield savings of ₹1,000 annually.
• Fuel:
  • 1% fuel surcharge waiver on all fuel transactions in India.
  • Valid for transactions between ₹400 and ₹4,000, with a maximum benefit of up to ₹400 per statement cycle.
  • GST charged on fuel surcharge is non-refundable.
  • Applicable on Credit Card on UPI transactions as well.
  • No reward points shall be awarded for fuel transactions.
  • Assuming monthly fuel spends of ₹3,000, this can provide an annual benefit of ₹360.
• Milestone Rewards:
  • Earn 1,000 EDGE REWARD Points on achieving annual spends of INR 1.5 lakhs in your card anniversary year (applicable to customers onboarded from April 1, 2025).
  • Spends will be evaluated 60 days after your card anniversary date to ensure any reversals or cancellations are excluded.
  • Eligible customers will be automatically credited with 1,000 EDGE REWARD Points within 90 days of achieving the milestone.
  • Spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, and Government Institutions will be excluded from the calculation.
  • The complimentary SonyLIV membership is renewed every year on spending a minimum of ₹1.5 lakhs in an anniversary year (applicable to paid cards only). Spends threshold excludes Rent (MCC - 6513) and Wallet (MCC - 6540) transactions. This provides an annual benefit of ₹1,499 from Year 2 onwards.
• Wednesday Delight Offers:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to ₹1,000 on Tira.

Rewards Redemption Guide

• EDGE Points earned on the card are redeemable against shopping/travel vouchers or for purchasing products from the Axis Bank EDGE Rewards Portal.
• The value of 1 EDGE Point is ₹0.20.

Card Eligibility Criteria

• Eligibility:
  • Primary cardholder should be between 18 to 70 years of age.
  • Add-on cardholder(s) must be above 15 years of age.
  • Applicant should be a Resident of India or Non-Resident Indian (NRI).
  • Applicants must have a stable source of income.
  • These criteria are indicative, and the bank reserves the right to approve or decline applications.
• Documentation:
  • PAN card photocopy or Form 60.
  • Proof of income: Latest payslip / Form 16 / IT return copy.
  • Residence proof: Passport / Ration Card / Electricity bill / Landline telephone bill.
  • This list is indicative, and documents required may vary on a case-to-case basis.

Card Review

The Axis My Zone Credit Card is an excellent entry-level credit card for individuals seeking value-packed benefits across entertainment, dining, and shopping without a high annual fee. It is particularly beneficial for moviegoers, food enthusiasts, and fashion-conscious shoppers.

• Pros:
  • Offers excellent "Buy One Get One" deals on movie tickets via District by Zomato.
  • Provides great discounts on Swiggy food orders with a dedicated coupon code.
  • Comes with a valuable complimentary SonyLIV Premium annual subscription as a welcome benefit.
  • Offers significant discounts on online shopping at AJIO.
  • Affordable joining and annual fees.
  • Offers complimentary domestic airport lounge access, a good perk for its fee segment.
• Cons:
  • The complimentary airport lounge access requires a minimum spend of ₹50,000 in the previous quarter, which might be a high threshold for some users.
  • No Reward Points are earned on movie ticket bookings, fuel transactions, or several other categories like insurance, wallet, rent, utilities, jewelry, education, government institutions, and EMI transactions.

Who should apply: This card is ideal for new-to-credit millennials or Gen Z, and first-time cardholders, for whom movie, dining, and online shopping expenditures constitute a significant portion of their monthly spending.

Important Product Details

• Complimentary SonyLIV Premium annual subscription as a joining benefit.
• Earn 4 EDGE Points for every ₹200 spent with the Axis Bank My Zone Credit Card.
• Discount of ₹120 per order on Swiggy (minimum order value of ₹500 required, up to twice a month).
• "Buy One Get One" offer on movie ticket bookings via District (up to ₹200 off per month).
• 1 complimentary domestic airport lounge access per quarter (subject to ₹50,000 spend in the previous quarter).
• Flat discount of up to ₹1,000 on AJIO on minimum spends of ₹2,999 (coupon code AJIOAXISMSZ).
• 15% off up to ₹500 on a minimum order of ₹1,500 with the EazyDiner program (once per month).

Other Details

• The terms and conditions of Myzone Credit Card will be updated w.e.f. June 20, 2025, and again from August 15, 2025.
• The card is an EMV certified chip credit card, designed to minimize the risk of counterfeit and skimming fraud, and comes with chip and PIN protection.
• For any transactions exceeding ₹1,500, you can contact the bank to convert your large credit card purchases into manageable EMIs. Another source states that purchases of ₹2,500 and above can be converted into Easy Monthly Installments.
• The Axis My Zone Credit Card is now available on the RuPay network, in addition to MasterCard and Visa, allowing it to be linked to UPI applications for convenient payments. Fuel surcharge waiver is applicable on Credit Card on UPI transactions as well.
• The credit limit assigned is not fixed for every cardholder; it varies depending on past payment behavior, credit history, income, and other factors. It is possible to apply for a higher credit limit or to get the card against a Fixed Deposit (in which case the credit limit will be equal to or lower than the fixed deposit amount).
• Customer Care: For queries or complaints, you can contact Axis Bank credit card customer care at 1860-419-5555, 1860-500-5555, and +91-22-67987700 (24x7 helpline). Email support is also available via the official Axis Bank website.
• Applying for the card: You can apply online via the application page or offline by visiting the nearest Axis Bank branch.
• Lifetime Free Offer: While the standard fees are ₹500, some discussions suggest that this card may be available as "Lifetime Free" through select channels or promotional offers. If available as Lifetime Free, the eligibility mentioned is: employment status (salaried or self-employed), income (₹15,000 per month for salaried, ₹30,000 per month for self-employed), age (21-65 years), and a CIBIL score of 700+. However, the official terms list age 18-70 years.