Cards / Axis

AxisAxis Bank My Zone Credit Card

Axis Bank My Zone Credit Card Credit Card

Axis Bank · Entry level

Reviewed by Chandan Kumar Dash

Complimentary Sony LIV Premium for 1 year; flat ₹120 off on Swiggy twice a month; 4 complimentary airport lounge visits per year.

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Joining fee

₹500

Annual fee

₹500

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Recent changes

• 1 November 2026Worse for you

  The District buy one get one movie offer will need spends of Rs 25,000 in the previous 3 months.

  Source

• 28 August 2026Worse for you

  Dynamic currency conversion markup rises from 1.5% to 3.5% on most cards, 2% on Magnus and 1.8% on Olympus.

  Source

All card changes in 2026

Work it out for this card

Offers on this card now

• Food
  KFC

  Free large fries on KFC orders of ₹499 or more

  Dine-in and takeaway orders through the KFC kiosk or app at select stores only. Generate the code on the Axis Bank rewards link. Not valid at the cash counter, on delivery or on third-party apps.

  Ends 31 DecBank's terms

• Shopping
  AJIO

  Flat 20% off on AJIO orders above ₹999

  Get the coupon code from the Axis Bank rewards link and apply it at checkout. Valid on Axis Bank credit and debit cards.

  Ends 31 DecBank's terms

• Food
  Swiggy

  Up to ₹150 off on Swiggy

  Minimum order ₹600, Saturdays only, once a month per user. Use code AMEX150 and pay with an Axis Bank credit card on the American Express network.

  Ends 31 Mar 2027Bank's terms

• Food
  Zomato

  Up to ₹150 off on Zomato

  Minimum order ₹600, Saturdays only, once a month per user. Use code AMEXNETWORK and pay with an Axis Bank credit card on the American Express network.

  Ends 31 Mar 2027Bank's terms

5 more on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 4 EDGE Reward Points per ₹200

No rewards on education, entertainment, fuel, insurance, rent, utilities, wallet loads.

Airport lounges

• Domestic: 1 visit a quarter

Select airport lounges in India; needs ₹50,000 spend in the previous 3 months

Points

EDGE Reward Points, worth about ₹0.2 each on the usual redemption.

Work out what your points are worth

Who can apply

• Age 18 to 70

Resident or NRI

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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