Axis Bank
Axis Bank My Zone Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
₹500
Reward Rate
1.25%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1.25%
Earn rate
2
Points / ₹100
₹0.2
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- No reward points on Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions and EMI transactions
- No reward points on bills, utilities, insurance, or wallet loads
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong entertainment-focused lifestyle card
- Useful movie and Swiggy offers for young users
- Complimentary SonyLIV subscription adds good value
- Low annual fee with decent benefits
- Includes airport lounge access
- Beginner-friendly rewards structure
- Good dining and merchant offers ecosystem
- Reward rate is relatively low compared to cashback cards
- Lounge access requires spend-based eligibility
- Forex markup is high for international spending
- Best value depends heavily on partner offers usage
- Cashback cards like ACE or Airtel Axis may provide better returns
- Reward exclusions apply on rent, fuel, wallet loads & EMI transactions
- Limited premium travel benefits
Who is this card for?
Young professionals who frequently book movies on BookMyShow and order food on Swiggy. Great as a secondary card for entertainment spending.
Quick Links
Data last updated 18 Mar 2026