CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 29 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 Points per ₹200
Earn 4 EDGE Reward Points per ₹200 spent on all eligible categories (translates to a 0.4% reward rate). Spends on movies, fuel, rent, insurance, utilities, education, government institutions, and wallet loads are excluded from earning rewards.
Redeem for
The privileges that come bundled in, beyond the reward points.
Swiggy Discount: Flat ₹120 off on food delivery orders (minimum order ₹500), valid twice a month using code 'AXIS120'
Movie Offer: Buy One Get One Free (100% off on the 2nd ticket up to ₹200 per month) on the District by Zomato app. Note: Requires a ₹25,000 spend in the previous calendar quarter
Lounge Access: 1 complimentary domestic airport lounge visit per quarter, unlocked by spending ₹50,000 in the previous 3 calendar months
Shopping & Travel: Flat ₹1,000 off on AJIO (minimum spend ₹2,999); Up to 18% off on Cleartrip hotel bookings and 7% off on flights
Milestone Bonus: Earn 1,000 bonus EDGE Reward Points on spending ₹1.5 Lakh in a card anniversary year
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000 (maximum ₹400 waiver per statement cycle)
An honest read on where this card earns its keep — and where it doesn't.
SonyLiv premium subscription easily offsets the initial ₹500 joining fee
Excellent direct discounts on Swiggy (₹240/month value) and AJIO
Great 'Buy One Get One' movie ticket benefit via District app
Frequently offered as a Lifetime Free (LTF) card during promotional periods
Extremely low base reward rate of 0.4% makes it poor for general spending
Domestic lounge access requires a steep ₹50,000 quarterly spend hurdle
Movie BOGO offer now requires a ₹25,000 quarterly spend hurdle
No spend-based waiver target for the ₹500 annual renewal fee
Incurs a ₹99 + GST redemption fee when using EDGE Reward points
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank My Zone Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Axis Bank My Zone Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Axis Bank My Zone Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank My Zone Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Complimentary SonyLiv Premium annual membership worth ₹1,499 on making your first transaction within 30 days of card issuance.".
Axis Bank My Zone Credit Card earns EDGE Rewards at a primary rate of 4 Points per ₹200. Specifically, Earn 4 EDGE Reward Points per ₹200 spent on all eligible categories (translates to a 0.4% reward rate). Spends on movies, fuel, rent, insurance, utilities, education, government institutions, and wallet loads are excluded from earning rewards.. Spends in Entry Level, Entertainment, Dining, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank My Zone Credit Card can be redeemed for Axis EDGE Rewards Catalog, Shopping & Travel Vouchers (1 Point = ₹0.20) via Axis Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Axis Bank My Zone Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 1 complimentary domestic airport lounge visit per quarter". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 680 or above is strongly recommended for approval of Axis Bank My Zone Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank My Zone Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank My Zone Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank My Zone Credit Card currently features a welcome offer: "Complimentary SonyLiv Premium annual membership worth ₹1,499 on making your first transaction within 30 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include SonyLiv premium subscription easily offsets the initial ₹500 joining fee and Excellent direct discounts on Swiggy (₹240/month value) and AJIO. However, keep in mind that Extremely low base reward rate of 0.4% makes it poor for general spending and Domestic lounge access requires a steep ₹50. Overall, Axis Bank My Zone Credit Card delivers strong value if your regular spending aligns with Entry Level, Entertainment, Dining, Lifestyle.
Yes, Axis Bank My Zone Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
