Card Details
Axis Bank My Zone Credit Card
Monzy Score
8.5/ 10
Excellent for streaming and entertainment users.
Strong ~25% back in its core category; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Earn Points
4 EDGE RP/₹200
Eligible retail spends (excl. movies, fuel, rent, etc.)
₹120 off/order
Swiggy orders ≥₹500 twice a month with code AXIS120
100% off up to ₹200
Second District movie ticket monthly with code AXIS200
Up to ₹1,000 off
Ajio orders ≥₹2,999 on select products with code AJIOAXISMZ
Benefits
₹120 off twice a month on Swiggy
- Food delivery savings
- ₹120 instant discount per order on Swiggy
- Valid for two transactions each month with min ₹500 order value
- Discount capped at two orders per month
SonyLiv membership & District movie offer
- OTT and movie perks
- Complimentary SonyLiv Premium membership worth ₹1,499 on first 30-day spend
- 100% off (max ₹200) on the second District movie ticket every month
- SonyLiv welcome benefit requires a transaction within 30 days of issuance
Monthly Cleartrip flight & hotel discounts
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: movies, fuel, rent, insurance, utilities, jewellery, education, government, wallet, emi
Estimated Returns
Movies via Paytm
25% off movie tickets via Paytm, capped Rs 100/month. Movie spends do not earn reward points.
₹100
General spends
4 EDGE points per Rs 200 (~0.4% value) on general spends. Low base earn rate.
₹118
Total Annual Return
₹2,621
0.73% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Planning to close axis my zone credit Card”
by r/CreditCardsIndia, Jul 2025
“What do you think about Axis myzone card”
by r/CreditCardsIndia, Oct 2025
“How to make the most of Axis MYZONE card”
by r/CreditCardsIndia, Nov 2025
“Anyone with an Axis Bank My Zone Credit Card? Need a”
by r/CreditCardsIndia, Jul 2025
“Should I avail a free Axis bank "My Zone" credit card?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Axis Bank My Zone Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. The first year fee is currently being waived on new approvals. There is no spend based waiver on this card, so the ₹500 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
Rewards do not accrue on movies, fuel, rent, insurance, utilities, jewellery, education, government, wallet and EMI spends.
Domestic lounge visits each quarter need ₹50,000 spend in the previous 3 calendar months.
Coupon discounts such as Swiggy, District, Ajio and Cleartrip require promo codes and have monthly caps.
