Axis My Zone Credit Card Review

Rewards card with lounge access

The Axis My Zone has a ₹500 annual fee + GST, waived on ₹2,50,000 annual spend. It earns 0.4% back on regular spends, with 4 domestic airport lounge visits a year. Best for: budget users wanting lifestyle discounts — our verdict: consider.

Vyaya Team · Jun 2026

5 min read

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Value Score

7.0 / 10

Annual Fee

₹500

Best For

First-time card user, Light spender

Network

Visa

Expert Verdict

An entry-level lifestyle card whose value lives almost entirely in its Swiggy, AJIO and movie offers and 4 domestic lounge visits rather than in rewards. The 0.4% base earn is poor, so treat it as a low-fee perks card, not a rewards engine.

AXIS BANKVisa

Axis My Zone

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REWARD SUMMARY

0.4% Base Rewards
Rewards card with lounge access

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The Bottom Line

The Axis My Zone is built for first-time card user and light spender. With a ₹500 annual fee that is waived on ₹2,50,000 yearly spend, it offers a welcome benefit worth ₹999 and airport lounge access. It makes the most sense if your spending matches first-time card user and light spender.

It earns a base reward rate of 0.4% and stacks best when your spending lines up with First-time card user, Light spender. The renewal fee gets easier to justify once you can hit ₹2,50,000 in yearly spend.

What we like

+Low cost of entry at Rs.500 joining and Rs.500 annual fee, with the annual fee waived on spends of Rs.2,50,000 a year.

+4 complimentary domestic lounge visits per year for the primary cardholder.

+Quarterly milestone of 1,000 bonus EDGE Reward Points on just Rs.10,000 spend, worth Rs.200 per quarter at the 0.2/point value.

+Useful everyday discounts: 40% off Swiggy up to Rs.120 (twice monthly), flat Rs.600 off AJIO on Rs.2,000, and Paytm Movies buy-one-get-one up to Rs.200.

What we don't

–Weak base earn of just 4 EDGE Reward Points per Rs.200 worth only 0.2/point, roughly a 0.4% return, with no accelerated categories at all.

–High 3.5% foreign currency markup makes it poor for international use.

–No reward points on fuel, utilities, insurance, rent, education, government or wallet loads.

–Rent payments carry a 1% surcharge capped at Rs.1,500 per transaction and earn nothing.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

First-time card user

Salaried users earning Rs.6 lakh+ who want a cheap card mainly for the Swiggy, AJIO and movie discounts plus 4 lounge visits.

Light spender

Those who can hit Rs.2.5 lakh annual spend to waive the Rs.500 fee and value lifestyle offers over reward earning.

Probably not for

Skip

–

Rewards maximiser

The flat 0.4% base return with no accelerated categories is uncompetitive for anyone chasing point value.

–

International traveller

The 3.5% forex markup and lack of international lounge access make it unsuitable for overseas spending.

Is It Worth It For You?

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Reward Rates

Axis My Zone offers 0.4% basic reward rate.

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Where

Amount

₹

Flat 0.4% on all spends

Welcome Offer

Welcome Benefit

Complimentary SonyLIV Premium 1 year subscription on first spend.

Value: ₹999

Milestone Benefits

Spend ₹10,000

1000 Bonus EDGE REWARD Points on spends of Rs. 10,000 in a calendar quarter.

Spend ₹2,50,000

Annual fee waiver on spends of Rs. 2,50,000 in the preceding year.

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹2,50,000

Eligibility

Min Income: ₹6 Lakhs
Min Credit Score: 750
Age 18-70; min monthly income ₹15,000 salaried, ₹30,000 self-employed; CIBIL 750+; LTF through select channels.

Exclusions & Terms

Forex markup

Foreign currency markup

EMI

No rewards earned.

Dynamic Currency Conversion

A 1% markup fee is levied on Dynamic Currency Conversion (DCC) transactions.

Frequently Asked Questions

8 data-backed answers from our card database

What is the annual fee of the Axis My Zone credit card?+

The Axis My Zone has a ₹500 annual fee + GST, waived on ₹2,50,000 annual spend.

What rewards does the Axis My Zone credit card give?+

It earns 4 EDGE REWARD points per ₹200 spent (about 0.4% back).

Does the Axis My Zone credit card offer airport lounge access?+

Yes — 4 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the Axis My Zone credit card?+

Minimum annual income of about ₹6 lakh and a credit score of 750+. Age 18-70; min monthly income ₹15,000 salaried, ₹30,000 self-employed; CIBIL 750+; LTF through select channels.

What is the forex markup on the Axis My Zone?+

3.5% + GST on international transactions.

What is the welcome benefit on the Axis My Zone?+

Complimentary SonyLIV Premium 1 year subscription on first spend.

How can I get the Axis My Zone annual fee waived?+

Spend ₹2,50,000 or more in a card year and the ₹500 renewal fee is waived.

Is the Axis My Zone credit card worth it?+

Ready to apply?

₹500 annual fee. Apply on the Axis Bank website.

Apply on Axis Bank →

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Already have this card?See the best way to redeem Axis My Zone points — channel by channel, valued in ₹.

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