Axis Bank
Axis Bank MyZone Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.4% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
MyZone earns 4 EDGE points per Rs 200 on eligible spends, which works out to about 0.4% back. Most of its value comes from offers: a one-year SonyLIV Premium membership worth Rs 1,499 on joining, and Rs 120 off Swiggy orders of Rs 500 or more.
The fee is ₹500 plus GST and there is no spend-based waiver. The SonyLIV welcome benefit covers the first year, and after that the Swiggy offer needs regular use to earn the fee back.
It suits young earners who order food and stream shows. The catch is the low reward rate. Lounge access is also limited to 1 domestic visit a quarter, after Rs 50,000 spend in the previous quarter.
Best for: Young professionals, Streaming fans, Swiggy users, First-time card users.
01Axis Bank MyZone Credit Card Rewards and Benefits
02Axis Bank MyZone Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹400 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.4%₹80
- Back each month, ₹960 a year₹80
- Annual fee with 18% GST−₹590
- In your pocket each year₹370
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹12,500 a month: below that the ₹590 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500 plus GST
- No spend-based fee waiver
- 4 EDGE points per ₹200, about 0.4% back
- One-year SonyLIV Premium on joining
- ₹120 off Swiggy orders of ₹500 or more
- 1 domestic lounge visit a quarter on ₹50,000 spend
05Pros and Cons
Pros
- SonyLIV Premium worth ₹1,499 on joining
- Regular Swiggy discount
- Low fee
- UPI enabled
Cons
- Only about 0.4% back on spends
- No fee waiver on spending
- Lounge visits need ₹50,000 in the previous quarter
- 3.5% forex markup
06How Axis Bank MyZone Credit Card earns Rewards
0.4% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.4% | No cap | The card's normal rate |
| Dining and food delivery | 0.4% | No cap | The card's normal rate |
| Groceries | 0.4% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.4% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.4% | No cap | The card's normal rate |
| Everything else | 0.4% | No cap | The card's normal rate |
Terms on the base rate. Flat 4 EDGE Reward Points per ₹200 (~0.4%) on all spends
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07Axis Bank MyZone Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip
Also on the card. ott subscription, fuel surcharge waiver, airport lounge access, milestone bonuses, movie ticket offers.
- OTT subscription: Complimentary SonyLIV Premium membership (worth ₹1,499) on your first spend within 30 days of issuance. Since April 2026 it is a one-off, the anniversary milestone no longer renews it
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions of ₹400 to ₹4,000, capped at ₹400 a statement cycle. Axis prices it at ₹360 a year on its own value chart, assuming ₹3,000 of fuel a month
- Airport lounge access: 1 complimentary domestic airport lounge visit a quarter on spending ₹50,000 in the previous 3 months
- Milestone bonuses: 1,000 EDGE Reward Points (≈₹200) on ₹1.5 lakh of spend in a card anniversary year, which replaced the SonyLIV renewal in April 2026. Excluded categories do not count towards the ₹1.5 lakh
- Movie ticket offers: Buy-one-get-one-free on movie tickets every month via District by Zomato
08Axis Bank MyZone Credit Card Eligibility and Documents
- Age
- 18 to 70 years
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2026 | Reduced: District movie buy-one-get-one becomes spend-gatedSource: Axis Bank | Available to every cardholder each month | Requires ₹25,000 of spend in the previous 3 months |
| 1 Nov 2026 | Reduced: Movie offer now needs Rs 25,000 of spend in the previous 3 monthsSource: Axis Bank | Movie offer available to every cardholder, no spend condition | ₹25,000 of eligible spend in the preceding 3 calendar months |
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
See this card's change history → · All card changes in November 2026 →
10Cards Similar to Axis Bank MyZone Credit Card
Axis Bank MyZone Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank MyZone Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | Lifetime free | ₹499 + GST |
| Annual fee | ₹500 + GST | Lifetime free | ₹499 + GST |
| Rewards | 0.4% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Can the annual fee be waived?
No spend-based waiver is offered. The fee is ₹500 plus GST each year.
What is the welcome benefit?
A one-year SonyLIV Premium membership worth ₹1,499.
Do I get lounge access?
Yes, 1 domestic visit a quarter after you spend ₹50,000 in the previous quarter.
What is the joining fee for the Axis Bank MyZone Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank MyZone Credit Card?
The annual fee is ₹500 + GST.
Does the Axis Bank MyZone Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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