About Axis My Zone Credit Card
The Axis Bank My Zone Credit Card is a good option if you’re looking for an entry-level card from Axis Bank. It offers benefits across everyday categories like shopping, dining, and entertainment. With this card, you can enjoy discounts on platforms like Ajio, District, and Swiggy, along with a free SonyLIV membership, making it a great pick for entertainment lovers.
You also earn EDGE Reward Points on every spend, but since there are no extra rewards on specific categories, the earning potential is limited. This means the main value of this Axis Bank credit card comes from its discounts and offers. Overall, it’s a simple and affordable card, best suited for beginners who want basic benefits and lifestyle benefits.
The reward system of the Axis Bank My Zone Credit Card is quite limited, as it does not offer any extra rewards on specific spending categories and the redemption value is low at just ₹0.20 per point. There are also many exclusions, which makes it harder to earn useful reward points. Because of this, it should not be considered a rewards-focused card. Instead, its main value comes from brand-specific discounts, making it a better choice for people who regularly shop with its partner brands.
Axis My Zone Credit Card Rewards Program
Rewards Program
- Reward Rate: 4 EDGE Reward Points for every Rs. 200 spent.
- Redemption: Points redeemable via EDGE Rewards catalogue.
- Exclusions: No points on movies, fuel, rent, insurance, utilities, jewellery, education, government institutions, wallet, or EMI transactions.
Other Features and Benefits
Brand Discount Offers
- Swiggy: Rs. 120 off per order on food delivery orders of minimum Rs. 500, twice a month using code AXIS120.
- District by Zomato: 100% off up to Rs. 200 per month on the 2nd movie ticket via District app using code AXIS200.
- Ajio: Up to Rs. 1,000 off on select products on minimum order of Rs. 2,999 using code AJIOAXISMZ.
- SonyLIV: Free Premium annual membership worth Rs. 1,499 on first card spend within 30 days; renewable on spending Rs. 1.5 lakh in a year.
Other Benefits
- Lounge Access: 1 complimentary domestic lounge visit per quarter on spending Rs. 50,000 in the previous 3 months.
- Dining Offer: Up to 15% off (max Rs. 500) on dining bills of minimum Rs. 2,500 via EazyDiner once per month.
- Renewal Benefit: 1,000 reward points on spending Rs. 1.5 lakh in a year.
- Fuel Benefit: 1% surcharge waiver up to Rs. 400 per month on fuel spends between Rs. 400–4,000.
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 500+Applicable Taxes or Nil for select channels |
| Finance Charges | 3.75% per month (or 55.55% per annum) |
| Late Payments Fees | | For the total payment due of - | Amount | | Up to Rs. 500 | Nil | | Rs. 501 to Rs. 5,000 | Rs. 500 | | Rs. 5,001 to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 | Rs. 1,200 |
|
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Document Required For Axis My Zone Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis My Zone Credit Card Highlights
What do we like about this card?
- ₹500 annual fee
- Buy 1 Get 1 free movie ticket (up to ₹200/month via District by Zomato)
- Rs. 120 off on Swiggy orders (twice a month)
- Complimentary SonyLIV Premium annual subscription
- Fuel surcharge waiver (1% on transactions ₹400–₹4,000)
- 15% off on dining via Axis Bank Dining Delights (up to ₹500/month)
Things to Know Before you apply
Get this card if:
- Movie buffs who watch at least one film monthly
- Urban users frequently ordering via Swiggy
- Young professionals or students looking for value perks
- OTT viewers interested in SonyLIV content
- Lifestyle-oriented users seeking savings on dining and entertainment
Pros
Ideal for entertainment, dining & OTT lovers
Affordable annual fee
High partner brand value (Paytm, Swiggy, SonyLIV)
Youth-centric lifestyle card
Cons
No international or travel benefits
Lacks standard reward point accumulation
Lower monthly cap on benefits
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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Frequently Asked Questions
The card has an annual fee of ₹500.
Swiggy: Rs. 120 off per order on food delivery (minimum Rs. 500), twice a month.
District by Zomato: Buy 1 Get 1 free movie ticket (up to Rs. 200/month).
Ajio: Up to Rs. 1,000 off on select products (minimum order Rs. 2,999).
SonyLIV: Complimentary Premium annual subscription on first card spend within 30 days.
Earn 4 EDGE Reward Points for every Rs. 200 spent. Points can be redeemed via the EDGE Rewards catalogue.
Movies, fuel, rent, insurance, utilities, jewellery, education, government institutions, wallet payments, and EMI transactions do not earn reward points.
Yes, 1 complimentary domestic lounge visit per calendar quarter, on spending Rs. 50,000 during the previous 3 months.
Yes, get up to 15% off (up to Rs. 500) on dining bills of minimum Rs. 2,500 via EazyDiner, once per month.
Yes, 1% waiver on fuel transactions of Rs. 400–₹4,000, up to Rs. 400 per month.
Yes, earn 1,000 reward points on spending Rs. 1.5 lakh in a year.
