The axis bank my zone credit card is designed for individuals who love entertainment dining and shopping, while also looking for saving on their everyday expenses. If you frequently order food online, enjoy watching movies or shop for fashion, this card offers excellent value with its exciting discounts and reward programs. With benefits like SONYLIV premium subscription, by one get one movie with ticket offers, and exclusive Swiggy and AJIO Discounts, The the Axis my zone credit card is attractive option for Millennials and urban shoppers. additionally this card provides quarterly free airport lounge access making it a useful companion for domestic travelers.
On nominal annual fee of ₹500 which can be waived on meeting spending criteria the Axis Bank My zone card packs a punch with a mix of lifestyle shopping and travel perks. It also come with a fuel surcharge waiver and the edge reward programs, ensuring that curved holders earn benefits on most of their purchases.
Features:
- Joining Fee: ₹500 (Free on Select Channel)
- Annual Fee: ₹500 (Free on Select Channel)
- Best For: Movies, Shopping, Food
- Welcome Gift: 1 Year Sony Liv Subscription
Benefits:
- Reward Points: 4 RP per ₹200 Spending
- AJIO Shopping: Discount up to ₹1000
- Swiggy Discount: ₹120 per transaction
- Movie Tickets: Buy One Get One Free
Free SONYLIV Premium Subscription
One of the standout benefit of this card is the complementary annual Sony Live Premium subscription worth of ₹1499. the subscription give you access to a wide range of TV shows movies live sports and exclusive web series. To renew this benefit every year you need to spend 1.5 lakh in the previous year.
Buy One Get One Movie Ticket
If you know what you’re moving the axis bank my zone card makes your experience more affordable with its buy one get one movie ticket to offer. this benefit is available through the district app by zomato, Allowing you to book one movie ticket and get another absolutely free.
Swiggy Food Discounts
For food lovers who frequently order online discard offers exclusives veggie discount. Car rollers get ₹120 off on food orders over ₹500 twice per month. To avail this offer simply apply the coupon code “AXIS120” While placing the order. this translates to monthly saving of ₹240.
Ajio Shopping Discounts
If you enjoy shopping online the Axis Maidzone Credit card gives you a great deal on Ageo one of the leading fashion ecommerce platforms. You can get a flat ₹1000 Discount on purchase above ₹2999 on AJIO.
Complementary Airport Lounge access
Frequent travels will appreciate the free domestic airport lounge access that comes with this card. You can access put languages once per quarter making your travel experience more affordable and comfortable with access to sitting areas depressments and Wi-fi. To qualify for this benefit you need to spend 50,000 rupees or more in last three months.
Fuel Surcharge Waiver
For those who drive regularly the axis credit card provides Pay 1% fuel surcharge waiver on transactions between ₹400 to ₹4000. the maximum benefit is kept at 400 per statement cycle which can add up to significant savings over a time.
EDGE REWARD Points
The Axis Bank MY ZONE Credit Card offers 4 EDGE REWARD Points for every ₹200 spent on retail and online transactions. While it’s not primarily a rewards-focused card, it still allows you to accumulate points on everyday spending. However, transactions like fuel purchases, wallet recharges, and rent payments do not earn points.
You can redeem your EDGE REWARD Points through the Axis Bank EDGE REWARDS Portal for a variety of options, including gift vouchers (Amazon, Flipkart, Myntra), travel bookings, dining offers, bill payments, and electronics. The redemption process is simple—just log in to the portal, check your points balance, browse the rewards catalog, and redeem your preferred option.
Fees & Charges
| Fee Type | Amount/Details | Waiver/Conditions |
|---|---|---|
| Joining Fee | ₹500 + GST | Waived if ₹5,000 is spent within 45 days |
| Annual Fee (Renewal Fee) | ₹500 + GST | Waived for the first year and in subsequent years if spending exceeds ₹1.5 lakh per year |
| Interest-Free Period | Up to 50 days | Available if the previous bill is fully paid |
| Finance Charges (Interest Rate) | 3.6% per month (or 52.86% annually) | Charged if the total due is not paid in full |
| Cash Advance Fee | 2.5% of the withdrawn amount (minimum ₹500) | Interest applies from the withdrawal date |
| Late Payment Charges | ₹0 – ₹1,300 (varies by due amount) | No charge for amounts below ₹500 |
| Overlimit Fee | 2.5% of the over-limit amount (minimum ₹500) | Charged if spending exceeds the assigned credit limit |
| Foreign Currency Markup | 3.5% on international transactions | Standard charge for foreign currency spending |
| Cash Payment Fee | ₹100 per transaction | Charged when paying the bill in cash at Axis Bank branches |
| Fuel Surcharge | 1% surcharge | Waived for transactions between ₹400 and ₹4,000 (max ₹400 per billing cycle) |
| Card Replacement Fee | ₹100 | Applicable for lost/damaged card replacement |
| Rewards Redemption Fee | ₹99 per redemption request | Charged when redeeming EDGE REWARD Points |
| EMI Conversion Fee | 1.5% of transaction amount (minimum ₹250) | Charged when converting purchases into EMIs |
| Duplicate Statement Request | ₹100 per statement | Charged for requesting a physical statement copy |
Saving Calculations
If you spend ₹10,000 per month using the Axis Bank MY ZONE Credit Card, here is an updated breakdown of your savings based on its benefits.
Assumptions:
- ₹3,000 on Online Shopping (AJIO discount applied)
- ₹2,000 on Dining (Swiggy discount applied)
- ₹2,000 on Entertainment (Movie tickets, SonyLIV subscription)
- ₹2,000 on Miscellaneous Purchases (earning EDGE REWARD Points)
- ₹1,000 on Fuel (1% surcharge waiver applied)
| Category | Spending Amount | Benefit | Savings |
|---|---|---|---|
| AJIO Shopping Discount | ₹3,000 | Flat 40% discount (max ₹1,000/month) | ₹1,000 |
| Swiggy Discount | ₹2,000 | 15% off (max ₹240/month) | ₹240 |
| SonyLIV Subscription | N/A | 12-month free subscription (worth ₹999/year) | ₹83 (₹999/12 months) |
| Movie Ticket Discount | ₹2,000 | BOGO Offer – Save on 1 ticket (₹200) | ₹200 |
| Fuel Surcharge Waiver | ₹1,000 | 1% surcharge waived | ₹10 |
| Reward Points (4/₹200 spent) | ₹10,000 | 200 EDGE REWARD Points (worth ₹40) | ₹40 |
| Total Savings Per Month | ₹10,000 | Effective Discounts & Benefits | ₹1,573 |
Annual Savings Calculation
- ₹1,573 savings per month × 12 months = ₹18,876 per year
Axis Bank My Zone Credit Card Review
The Axis Bank MY ZONE Credit Card is best suited for individuals who frequently spend on shopping, dining, and entertainment. With exclusive benefits such as a 40% discount on the AJIO, 15% off on Swiggy, and a complimentary SonyLIV annual subscription, this card caters those who prioritize lifestyle perks. Additionally, the Buy One Get One (BOGO) movie offer enhances its appeal for entertainment enthusiasts. The low annual fee of ₹500, which is waived on spending ₹1.5 lakh annually, makes it an affordable option for casual credit card users. Furthermore, 1% fuel surcharge waiver provides additional value for those who frequently refuel their vehicles.
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