Axis Bank My Zone Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

Axis Bank's My Zone Credit Card is an entry-level lifestyle credit card of Axis Bank, which comes with some useful instant discounts as its core features. It offers good discounts on popular food delivery, restaurant payments, and entertainment apps such as Swiggy, Eazydiner, and BookMyShow. In addition, it offers a full-year premium subscription to Sony LIV, a premium OTT service valued by many users of this credit card. It also offers free domestic airport lounge access (but with a minimum spend condition). The regular reward rate of this credit card is very low. Therefore, the major use case of this credit card is the instant discount offers being provided by this card as a regular feature and the occasional discount offers of Axis Bank on various e-commerce sites.

Pros

Attractive discounts on Swiggy and Eazydiner App
Good discount on movie tickets considering its an entry level card
Eligible for instant discount offers of Axis Bank which are quite frequent
Easy approval and low eligibility criteria

Cons

Very low regular reward rate
High spend criteria for getting free airport lounge access

Fees & Charges

Joining / Annual Fee ₹ 590

Renewal Fee ₹ 590

Annual Spend Target for Fee Waiver ₹ 99,999,999

Minimum Annual Income Required ₹ 240,000

Rewards and Benefits

Reward Rate

0.40%

Base Reward Rate

0.40%

Accelerated Reward Rate

0.40%

Welcome Benefits

Sony LIV Premium Annual Membership worth Rs.1,499

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Swiggy: Flat Rs.120 Discount on Swiggy on Minimum order of Rs.500, Twice in a Month
Movie Tickets: Buy One Get One Movie Ticket Free on BookMyShow upto the value of Rs.200 per month (for higher value ticket, pay the difference)
Restaurent Payments through EazyDiner App: Discount on Restaurant Payment through Eazydiner App: 15% Discount upto Rs.500 on Minimum Order of Rs.2,500. Discount available once in a month.
Reward Points: 4 Edge Reward Points on every Rs.200 spend (0.40% Valueback). Reward points redeemable on products and brand vouchers on Axis Bank's rewards catalogue (www.edgerewards.axisbank.co.in).

Rewards Redemption

Reward points of Axis My Zone Credit Card can be redeemed in following ways.

To purchase merchandise and brand vouchers from Axis Rewards Catalogue. Value of 1 Reward Point = Rs.0.20
To convert the points into Airmiles or Hotel Loyalty Program Points. Click here for more details about the Axis Bank's Airmiles Transfer Program. Conversion Rates are following
- Vistara, ITC, SpiceJet, Air Asia = 10 EDGE REWARD Points = 1 Partner Point
- Other Partners: 20 EDGE REWARD Points = 1 Partner Point

Additional Benefits

Domestic Airport Lounge

Movie Benefits

Dining Benefits

International Airport Lounge

Railway Lounge Access

Golf Benefits

Lifestyle Benefits Details

Airport Lounge Access: Domestic Airport Lounge Access per year (1 per Quarter on Spending Rs.50,000 in previous 3 months)

Features & Benefits

Reward Points

Airmiles

Airport Lounge

Cashback

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Gift Cards

Jewellery

Wallet Load

Rewards on EMI

Ratings & Reviews

3.2

Overall Rating

Reward Rate

3/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

3/5

Value For Money

3/5

Customer Service

3/5

Detailed Review

The Axis My Zone Credit Card is a decent entry-level credit card with low eligibility criteria. It offers good discounts on popular apps like Swiggy, Eazydiner, and BookMyShow. However, its regular reward rates are quite low. It also provides free domestic airport lounge access, though this comes with a steep spending requirement.Considering its features and low eligibility criteria, this card can be a good choice for someone starting their career or for those who do not meet the income requirements for higher-tier credit cards. It can also be useful for people who primarily use other banks' credit cards and want an Axis Bank credit card for its instant discount offers. Another practical use case is its discount on Swiggy, which can go as high as 24% on an order of ₹500. For someone who frequently orders from Swiggy, with order values around ₹500-600, this card can be a good option.However, for individuals who meet higher income criteria and have significant credit card spending, there are many better options available in the market.

Eligibility & Important Info

Eligibility Criteria

Age: 18 years to 70 years
Resident of India or Non-resident India
Income: Rs.20,000 net in-hand salary per month or ITR of Rs.2.4 Lacs (not an officially declared criteria but based on past approval of the card)

Important Links

List of Airport Lounge for My Zone Card - MasterCard Variant: Click here
List of Airport Lounge for My Zone Card - MasterCard Variant: Click here
Axis Bank GrabDeals Portal for Additional Cashback and Instant Discount Offer using Axis Bank's Credit Card: https://grabdeals.axisbank.com
Axis Bank's rewards catalogue to redeem reward points on products and brand vouchers: www.edgerewards.axisbank.co.in