Axis Bank My Zone Credit Card
The Axis Bank MY Zone Credit Card is designed for entertainment lovers.
RuPay UPI Scan & Pay Fit Score
88/100
Joining Fee
Free
Annual Fee
₹500
Reward Rate (%)
1.25 – 5
2 pts/₹100 · ₹0.2/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
22/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Axis Bank My Zone Credit Card Benefits
Axis Bank My Zone Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.25% – 5%
Earn rate
2
Points / ₹100
₹0.2
Per point
Axis Bank My Zone Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Axis Bank My Zone Credit Card 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
Annual Fee: ₹500
This card carries a fixed annual fee of ₹500. At ~1.25% estimated return, spending approximately ₹3,333/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Bank My Zone Credit Card 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 1 Sept 2026
Calculate your exact earnings with Axis Bank My Zone Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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