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Axis BankAxis Bank

Axis Bank My Zone Credit Card

4.37,500 reviewsEntertainmentDiningEntry Level
Welcome offerComplimentary SonyLiv Premium Annual Subscription
Annual fee
₹ 500
Reward rate
4 Points per ₹200
Credit score
680+
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Free to apply via CardGuruji · subject to issuer approval

Axis Bank My Zone Credit Card
VisaRuPay
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

4 Points per ₹200

Flat discounts on partner brands

Reward currency
EDGE Rewards
Card network
Visa · RuPay
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Buy 1 Get 1 on Paytm Movies

  • 40% off on Swiggy

  • 1 Complimentary Lounge Access per quarter

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Great Swiggy offer

  • BOGO movies

  • Lifetime free offers often available

What to watch out for

  • Low base reward rate

  • Lounge list limited

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1200
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.6%
Balance transfer
3.6%
Cash advance
3.6%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

680+out of 900
Average credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Axis Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Axis Bank My Zone Credit Card

Everything you need to know about Axis Bank My Zone Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Axis Bank My Zone Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Axis Bank My Zone Credit Card from Axis Bank, a CIBIL score of 680 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Axis Bank My Zone Credit Card is designed to reward everyday spends. It currently features: "Complimentary SonyLiv Premium Annual Subscription". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Axis Bank's rewards portal.

Yes, Axis Bank My Zone Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Axis Bank My Zone Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.