What is the annual fee for Axis Bank My Zone Credit Card?

The annual fee for Axis Bank My Zone Credit Card is ₹500. The fee is waived on annual spend above ₹2,00,000.

What is the joining fee for Axis Bank My Zone Credit Card?

The one-time joining fee for Axis Bank My Zone Credit Card is nil (no joining fee).

What are the rewards and benefits of Axis Bank My Zone Credit Card?

Axis Bank My Zone Credit Card earns points rewards. Reward rate ranges from 1.25% to 1.25%. You earn 2 points per ₹100 spent.

What lounge access benefits does Axis Bank My Zone Credit Card provide?

Axis Bank My Zone Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Axis Bank My Zone Credit Card?

To be eligible for Axis Bank My Zone Credit Card, you need a minimum monthly income of ₹25,000.

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Axis Bank

Axis Bank My Zone Credit Card

Name: Axis Bank My Zone Credit Card
Brand: Axis Bank
Price: 500 INR
Availability: InStock

The Axis Bank MY Zone Credit Card is designed for entertainment lovers.

Regular

CardCheck ScoreGood

Top Category Performance

RuPay UPI Scan & Pay (88/100)

Best for: Dining and Entertainment

Joining Fee

Free

Annual Fee

₹500

Reward Rate (%)

1.25

Forex Markup

3.5%

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(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

GoodScore / 100

Reward Power

20/35

Fee Value & ROI

22/25

Lounge & Perks

11/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Zero Fee & Starter

85/100

Travel & Lounge

70/100

Fuel & Petrol

62/100

Scoring 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

Buy 1 Get 1 movie ticket offer via District app (up to ₹200/month)

Complimentary SonyLIV Premium annual subscription worth ₹1,499

Flat ₹120 off on Swiggy orders (twice per month)

1 complimentary domestic airport lounge visit per quarter on spend eligibility

4 EDGE Reward Points per ₹200 on eligible spends

1,000 bonus EDGE Reward Points on ₹1.5 lakh annual spends

Up to 15% dining discount via Dining Delights

1% fuel surcharge waiver on ₹400–₹4,000 fuel transactions

Annual fee of ₹500 + GST waived on eligible annual spends

Axis Bank My Zone Credit Card Rewards

How you earn back on every swipe

points

Reward type

1.25%

Earn rate

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 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.

Joining feeFree

Annual fee₹500

Fee waiver on annual spend₹2,00,000

Interest-free period50 days

Interest rate (APR)41.4% – 55.55%

Late payment fee (max)₹1,200

Cash advance fee2.5% (min ₹500)

Over-limit fee2%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹4000)

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