Axis Bank My Zone Credit Card
Get the best of entertainment and food with My Zone Credit Card
Annual Fee
₹500
Base Rewards
0.4%
Forex Fee
3.5%
Expert Verdict
The Axis My Zone is a solid entry-level card primarily for its lifestyle perks rather than its reward points. The Swiggy and SonyLIV benefits easily outweigh the annual fee for most users.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹2,899
Includes ₹999 bonus
Year 2+
+₹1,900
Why get this card
Complimentary SonyLIV Premium annual subscription worth ₹999 on first transaction
Flat 40% off on Swiggy (up to ₹120) twice a month using code AXIS40
Buy One Get One (BOGO) offer on Paytm Movies, up to ₹200 discount per month
Watch out for
Very low base reward rate of 0.4% (4 points per ₹200)
Lounge access is now subject to a minimum spend of ₹50,000 in the previous quarter
No rewards on fuel, wallet loads, EMI transactions, or gold purchases
Who is this card for?
Best for
entertainment seekers
Users who frequently watch movies via Paytm and use OTT platforms like SonyLIV.
Min: ₹10,000/mo
foodies
Regular Swiggy users can save up to ₹240 per month on food orders.
Min: ₹5,000/mo
Skip if you're
high spenders
The reward structure is too weak for high-value transactions compared to premium cards.
Base Earning
4 EDGE Reward Points
per ₹200 spent
0.4%
effective rate
Point value: ₹0.20/point
Bonus Categories
Swiggy - DINING
1×
0.4% return
Paytm Movies - ENTERTAINMENT
1×
0% return
Welcome Offer
Complimentary SonyLIV Premium Annual Subscription worth ₹999 on first spend within 30 days of card issuance.
₹999
value
Spend ₹1 within 30 days
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank
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