Question 1

What is the annual fee on the Axis Bank My Zone Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Axis Bank My Zone Credit Card give?

Accepted Answer

You get 25% back on movie tickets. On ₹10,000 of spend in the top category that is ₹2,500 back, so about ₹30,000 a year if you hit it every month. Fuel, Movie, Insurance, Wallet earn nothing at all.

Question 3

Does the Axis Bank My Zone Credit Card give free airport lounge access?

Accepted Answer

The Axis Bank My Zone Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

Question 4

What changed on the Axis Bank My Zone Credit Card recently and is it still worth it in 2026?

Accepted Answer

Sony LIV renewal discontinued (→1,000 EDGE points); Apr 2026 portfolio cuts. The changes are dated Apr 1, 2026. At ₹3L of yearly spend the card returns roughly ₹6,000 at its general rate of about 2%, against a ₹500 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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