Axis Bank My Zone Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Reward Rate: 4 EDGE Reward points for every ₹200 spent using the card
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Reward Rate: 4 EDGE Reward points for every ₹200 spent using the card
- • Reward-Excluded Categories: Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions, and EMI transactions all earn zero reward points
Welcome Benefit
Welcome Benefit: SonyLIV Premium annual subscription worth ₹1,499 free with first purchase within 30 days; voucher via SMS within 45 days of issuance OR within 60 days of annual fee payment for eligible customers
Milestone Benefit
EDGE Rewards Milestone (points): 1,000 EDGE REWARD points earned on annual spends of ₹1.5 lakhs in the card anniversary year; spends evaluated 60 days after anniversary; credited within 90 days
Redemption
- • Redemption Value: Not explicitly restated on the pages captured
- • Reward Point Redemption Fee: Fees & Charges table confirms a Reward Point Redemption fee applies ('yes')
Benefits
- Movie Ticket Benefit (BOGO): 100% discount on 2nd movie ticket via District app, up to ₹200/month, using coupon code AXIS200
- no reward points earned on movie transactions
- Swiggy Discount — Promo Code: Flat ₹120 off Swiggy, min order ₹500, redeemable up to 2x/month per user ID, using coupon code AXIS120
- not applicable on Haldiram's Restaurants across India
- Travel Benefits on Cleartrip: Flat 7% discount (up to ₹2,000) on domestic/international flights + flat 18% discount (up to ₹4,000) on hotels, both once per month, via coupon code CTAXISMYZONE
- Domestic Lounge Access: 1 complimentary lounge access per calendar quarter
- unlocked on spends of ₹50,000 in the previous 3 months
- Convert Purchases to EMI: Transactions exceeding ₹1,500 can be converted into EMIs by contacting the bank
- EMV Chip Security: EMV certified chip with PIN protection, designed to minimize counterfeit/skimming fraud risk
- Online Skill-Gaming Transaction Fee: 1% fee on cumulative online skill-based gaming spends of ₹10,000 or more in a statement cycle, + GST
Things to Know Before you apply
Axis Bank My Zone Credit Card Eligibility Criteria
- Age: 18–70 years
- Eligibility — Income Criteria: Not shown on the Eligibility & Documentation tab captured — only age (18–70) and residency (Resident Indian or NRI) are listed
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Cash Payment Fee: ₹175 |
Fee waiver: Annual Fee Waiver Threshold: Fee waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver (confirmed on Fees & Charges tab); Fuel Surcharge Waiver: 1% fuel surcharge waiver; refunded for transactions ₹400–₹4,000; maximum benefit up to ₹400 per statement cycle; GST on the surcharge is non-refundable; applies to CC-on-UPI transactions too; Fuel Transaction Fee (high-volume, separate from surcharge waiver): 1% fee on cumulative fuel spends of ₹50,000 or more in a statement cycle, + GST — distinct from the fuel surcharge waiver benefit
PaisaSimple Review
Overall Rating
4.9/5Compare with Similar Cards
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- • Welcome Benefit: SonyLIV Premium annual subscription worth ₹1,499 free with first purchase within 30 days
- • voucher via SMS within 45 days of issuance OR within 60 days of annual fee payment for eligible customers
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • 500 Reward Points on fee realisation (applicable only on payment of the Joining/Membership Fee)
- • Base Reward Rate: 4 EDGE Reward points for every ₹200 spent using the card
- • Reward-Excluded Categories: Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions, and EMI transactions all earn zero reward points
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • 1 Reward Point per ₹150 spent (base)
- • 5X Reward Points on Dining, Movies, Groceries, Railway and Taxi bookings, capped at 1,500 points/statement cycle
- • 25X Reward Points on birthday spends, capped at 3,000 points
- • 10X Reward Points via PayZapp/SmartBuy
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions