customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
meter
  • Home /
  • Credit Card /
  • Axis Bank Credit Card /
  • My Zone Credit Card
    • Image of Axis My Zone Credit Card
    Axis Bank

    Axis My Zone Credit Card

    cat name Online Shopping
    3.5/5.0

    Rewards3.0/5

    Online Shopping3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹500* Plus Applicable Taxes

    Brand Discounts

    Brand Discounts

    Offers on Swiggy, Ajio, District & SonyLiv

    Lounge Access

    Lounge Access

    Up to 4 free domestic lounge visits per year

    Dining Benefit

    Dining Benefit

    Up to 15% off on dining bills via EazyDiner

    Updated on January 2, 2026 5:14 pm

    Author: Lepakshi Phogat

    Find Best Credit Card Offers

    It hardly takes 2 minutes

    +91 0 /10 Digits

    Don't worry, this will not affect your credit score

    The entered number doesn't seem to be correct

    By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
    Please accept the undertaking to proceed further

    meter
    About The CardBrand Discount OffersOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Axis Bank MY ZONE Credit Card

    Axis Bank My Zone Credit Card is an entry-level card offering benefits across multiple lifestyle categories, such as shopping, dining and entertainment. With this card, you can avail discounts on popular websites, like Ajio, District and Swiggy, along with complimentary annual membership of SonyLIV. It is among the few low-fee credit cards that offer membership to an OTT platform along with a combination of rewards and multiple discount offers. 

    In addition to the brand discounts, this Axis Bank credit card also offers EDGE Reward Points on every card spend, but the reward earning potential is quite limited as there are no accelerated savings. So, the discount feature stands as the main attraction for consumers. Read on to know more about this card to see whether it would be the right fit for you.

    Brand Discount Offers

    • Swiggy: Rs. 120 off per order on food delivery order1 of min. Rs. 500, twice a month using the coupon code ‘AXIS120’
    • District by Zomato: 100% off up to Rs. 200 per month on the 2nd movie ticket2 on District app using the coupon code ‘AXIS200’
    • Ajio: Up to Rs. 1,000 off on select products on min. order value of Rs. 2,999 using the coupon code ‘AJIOAXISMZ’
    • SonyLiv: Free SonyLiv Premium annual membership worth Rs. 1,499 on making the 1st card spend within 30 days of card issuance, renewable on spending Rs. 1.5 lakh in a year3
    Image of null
    Image of null

    Other Features & Benefits

    • Rewards Program
      • Reward Rate: 4 EDGE Reward Points on every Rs. 200 spent
      • Redemption Option: EDGE Rewards catalogue
      • Exclusions: Spends made on movies, fuel, rent, insurance, utilities, jewellery, education, government institutions, wallet, and EMI transactions will not accrue any reward points.
    • Lounge Access: 1 complimentary domestic lounge visit per calendar quarter on spending Rs. 50,000 during the previous 3 months.
    • Dining Offer: Up to 15% off, up to Rs. 500, on dining bills of min. Rs. 2,500 via EazyDiner under the Axis Bank Dining Delights program, once per month.
    • Renewal Benefit: 1,000 reward points on spending Rs. 1.5 Lakh in a year4.
    • Fuel Benefit: 1% fuel surcharge waiver of up to Rs. 400 per month on fuel spends of Rs. 400 to Rs. 4,000.

    Suggested Read: Best Fuel Credit Cards

    The reward structure on Axis My Zone Card offers limited value from rewards perspective, as there are no accelerated earnings and the redemption value stands quite low at just Rs. 0.20. Additionally, there is a long list of exclusions which further makes it difficult for cardholders to accumulate meaningful points. Given these limitations, Axis My Zone should not be viewed as a rewards credit card. Instead, its core value lies in brand-specific discounts, making it more suitable for consumers who regularly shop with the partner brands.

    Axis Bank MY ZONE Credit Card: Fees & Charges

    Particulars Amount
    Joining/Annual Fee Rs. 500 + Applicable Taxes (Nil for Mastercard network variant)
    Finance Charges 3.75% per month (or 55.55% per annum)
    Late Payments Fees
    For the total payment due of -
    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

    Things to Know Before you apply

    Get This Card If:

    You are not looking for reward points and prefer direct discount offers

    You are looking for a low-fee card with benefits spanning across multiple brands and categories

    Your frequently make purchases through the partner platforms - Ajio, Swiggy and District by Zomato

    Complimentary SonyLiv membership (worth Rs, 1,499) is a valuable benefit for you

    Similar Cards:

    SBI SimplyCLICK Credit Card

    HDFC MoneyBack+ Credit Card

    HDFC Millennia Credit Card

    YES Bank PaisaSave Credit Card

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards3.0/5

    Online Shopping3.5/5

    What do we like about this card?

    Charging a low annual fee of Rs. 500 (even offered lifetime-free card for select channels), this Axis Bank Credit Card offers value-back across multiple categories, like online shopping, food delivery, dining, OTT entertainment, and movies. Even though SonyLiv membership renewal comes with a spend-based condition of Rs. 1.5 Lakh, it is easily achievable for any average spender. The dining discount and complimentary airport lounge benefits add to the total value you can extract out of this card.

    Pros

    • Discount offers on leading platforms like Swiggy, Ajio, and District by Zomato covering popular spending categories like food, shopping and movies
    • Dining discount of up to 15% via EazyDiner
    • Complimentary annual OTT subscription to SonyLiv with an easily achievable spending limit for renewal
    • Up to 4 complimentary domestic airport lounge access per year

    Cons

    • Low reward rate without any accelerated categories and exclusion of lifestyle spends like movie tickets
    • Capping on brand/platform discounts
    meter

    Frequently Asked Questions

    Everything you need to know about this credit card

    No, you cannot earn reward points for movie, fuel and EMI transactions. However, you can avail a fuel surcharge waiver of 1%, subject to a maximum waiver of Rs. 400 per statement cycle. This fuel surcharge waiver is applicable on your transactions between Rs. 400 and Rs. 4,000.

    Currently, this credit card is sourced through Paisabazaar, so you can simply fill in the details on the form available on this page to apply. Besides this, you can also apply for this credit card through the official website of the bank by filling out an application form. If you want to apply offline, then you have to visit any of the nearest branches of the bank and contact a bank official.

    Yes, you can withdraw cash using your Axis Bank Credit Card at the time of emergency. There is a particular amount of cash that can be withdrawn at any given time, and the amount of withdrawable cash is within the credit limit. However, the bank charges a cash advance fee of 2.5% of the transacted amount for withdrawing cash via credit card.

    The foreign currency transaction fee charged on Axis Bank My Zone Credit Card is 3.5% of the transacted amount. Therefore, this is not an ideal credit card for foreign currency transactions as it incurs high charges.

    Yes, you can apply for this credit card even if you don’t have an account with the bank. However, you must meet the required eligibility criteria to apply for this credit card. The bank prefers to give credit cards to people who have a good credit score (preferably above 750+).
    img

    Need More Help?

    Leave a comment or ask a question!

    Ask Your Question

    Footnotes

    1. Excluding Haldiram’s restaurants across India
    2. Movie transactions will not earn any reward points
    3. The renewal of SonyLiv Membership is applicable to customers onboarded before 31st March, 2025.
    4. The milestone benefit is applicable on new sourcing from 1st April 2025.

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

    Trending Articles on Credit Cards

    View All Articles
    img
    Best Railway Lounge Access Credit Cards in India 2026
    img
    Shruti Sharma
    9 Dec 2025
    img
    Best Credit Cards for Airport Lounge Access in India 2026
    img
    Shruti Sharma
    1 Dec 2025
    img
    Best Low Interest Credit Cards in India 2026
    img
    Shruti Sharma
    20 Nov 2025

    Explore other Card Categories

    cat name Memberships
    cat name Travel
    cat name Lounge Access
    cat name Golf
    cat name Dining
    cat name Online Grocery
    cat name Premium
    cat name Shopping
    cat name Milestone Benefits
    cat name Co-branded
    cat name Brand Discount
    cat name Online Dining
    cat name Online Travel
    cat name Welcome Benefit
    cat name Offline Grocery
    cat name Offline Movies
    cat name Offline Dining
    cat name Movies
    cat name Online Movies
    cat name Lifetime Free
    cat name Rewards
    cat name Cashback
    cat name Fuel
    cat name Offline Travel
    cat name Offline Shopping
    cat name Online Shopping
    cat name Fee Waiver
    cat name Renewal Benefit

    Explore Cards from Leading Issuers

    HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank YES BANK RBL Bank IndusInd Bank IDFC FIRST Bank AU Small Finance Bank Federal Bank BOBCARD Punjab National Bank SBM Bank Canara Bank Equitas Small Finance Bank IDBI Bank Indian Bank DBS Bank Bank of India
    icon

    Check eligibility for best credit cards

    Check Eligibility
    meter
    Menu