Axis My Zone Credit Card
By WhichWise Editorial Team · Verified ·
A entry Visa card with 4 lounge visits. 4 lounge visits sound great, but the quarterly spend requirement changes everything. We do the math.
Axis Bank
By WhichWise Editorial Team · Verified ·
A entry Visa card with 4 lounge visits. 4 lounge visits sound great, but the quarterly spend requirement changes everything. We do the math.
Fuel Surcharge Waiver Details
You must spend ₹50,000/previous quarter to access lounges.
10 spending categories earn zero rewards (including fuel, rent).
The Axis My Zone Credit Card is Axis Bank's ₹500-a-year reward points credit card with about 0.4% base rewards on everyday spend. Best for occasional flyers.
Quick Decision
Reward earnings only, at the everyday spend mix: milestone vouchers and lounge value are tracked separately in the sections below. 10 categories (fuel, rent, wallet load, etc., see Excluded list) earn 0% and are NOT in this range.
Casual users hit the lower end; engaged users hit the upper end.
See full analysisPros & Cons
A balanced look at what this card does well and where it falls short.
- 4 domestic lounge visits/year
- Welcome bonus worth ₹999
- ₹500 annual fee with no waiver option
- Fuel transactions excluded from rewards
- Rent payments excluded from rewards
- 10 spending categories excluded
- High forex markup: 3.5%
- Lounge access gated: spend ₹50,000 per quarter to unlock
Our editorial take on this card
What works
The headline benefits deliver genuine value for a ₹500 card. The free SonyLiv Premium subscription (₹999 value, year 1 only) covers the annual fee in full, with the entertainment and food perks stacking on top. The District BOGO movie offer saves up to ₹200/month if you book at least one ticket monthly, and the Swiggy ₹120 discount twice a month adds up to ₹240/month on food delivery. Axis throws in 1 complimentary domestic lounge visit per calendar quarter (4/year), rare at this price point, though you need ₹50,000 in previous quarter spend to unlock it. AJIO shoppers get ₹1,000 off on a ₹2,999 minimum spend (code AJIOAXISMZ). The fuel surcharge waiver (1%, ₹400-₹4,000 transactions, capped ₹400/month) saves another ~₹400/year for a modest petrol budget. The card is often issued as lifetime free during Axis promotions, making the effective cost zero.
The 0.4% base reward rate is among the worst in its class (4 EDGE points per ₹200 spent, each worth ₹0.20), so reward earnings are negligible even for heavy spenders. Ten categories (fuel, rent, wallet loads, utilities, EMI, insurance, jewellery, education, government, and cinema/movies) earn zero points. The cruel one is cinema: the card markets movies, but pays them in BOGO discounts, not points. The 3.5% forex markup makes this card unsuitable for international transactions. The ₹50,000-per-quarter spend gate for lounge access is steep for an entry-level cardholder, and the milestone reward (1,000 EDGE points worth ₹200 on ₹1.5 lakh annual spend) is a thin consolation. Critically, Axis discontinued the SonyLiv annual renewal from April 1, 2026. Only the year-1 welcome subscription remains, and year 2 onward the main benefit anchor disappears.
Bottom line
The Axis My Zone is a lifestyle-perks card, not a rewards card. In year one, the bundled benefits (SonyLiv Premium at ₹999, Swiggy discounts up to ₹240/month, and BOGO movies up to ₹200/month) easily exceed the ₹500 fee for an active user. From year two onward, with the SonyLiv renewal discontinued since April 2026, only the Swiggy + movie perks remain and the case weakens sharply. If you're a Swiggy + theatre regular, it still works. If you want the best return on actual spending, Amazon Pay ICICI (5%/3% on Amazon, zero fee), Flipkart Axis (5% on Flipkart, 1% base), or SBI Cashback (5% online, ₹999 fee) all beat it on raw reward rate.
Independent analysis from public card terms, no paid placements or ratings.
Welcome Bonus
VerifiedOne-time bonus for new cardholders
Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance
So what does this card actually earn?
Reward Points
This card earns reward points on every transaction. The real value of your points depends on how you redeem them: here is a breakdown of the redemption tiers.
per point
0.5%
assumes ₹0.25/point redemption
Redemption Tiers
Tap a tier to update the Value Verdict above
Worst Case
Statement credit, cashback
Partner Rewards
Earn bonus rates at these merchants
| Merchant | Reward | Type |
|---|---|---|
| Swiggy Flat ₹120 off on min ₹500 order, code AXIS120, twice per month (max ₹240/month). rate_pct=24 is effective discount at min order (₹120/₹500). | ₹120 off/order | Flat discount |
| EazyDiner Up to 15% off at partner restaurants, capped at ₹500 per use, min ₹2,500 bill, once per month per card. | 15% off | Flat discount |
| District Buy 1 Get 1 free movie ticket on District app (by Zomato), max ₹200 off second ticket per month. Code: AXIS200. No reward points earned on movie transactions. | BOGO (max ₹200/month) | BOGO |
| Ajio ₹1,000 off on minimum purchase of ₹2,999. Code: AJIOAXISMZ. No confirmed monthly usage limit. | ₹1,000 off | Flat discount |
Excluded Categories
10 categories earn no rewards on this card
⚠ Do not use for Fuel / Petrol / Diesel / CNG, Rent Payments, Wallet / Prepaid Instrument Loading and 7 more. You earn 0 rewards on these spends. Use a different card or pay direct.
This card works best for swiggy, eazydiner, and airport lounge usage. Spends in those categories still earn at the headline rate.
Lounge Access
Complimentary airport lounge visits
Domestic
1
visits/quarter (~4/year max)
International
0
visits/year
Priority Pass
No
membership
The ceiling priced at walk-in rates is the theoretical max; the realistic range above assumes 40–70% of visits actually used (most users land in the lower half). How is this estimated?
Rs.50,000 spend in the previous calendar quarter required to unlock 1 complimentary domestic airport lounge visit for the following quarter.
Lounge Spend Requirement
Minimum spend needed to unlock lounge access
You must spend ₹50,000 in the previous quarter to access lounges.
Milestone Rewards
Bonus rewards when you hit spending targets
1,000 EDGE Reward Points (~₹200 at threshold) (annual)
Who Is This Card For?
First-card buyers and young professionals who order food on Swiggy at least 2-3 times a month, watch movies in theatres once a month, and want a SonyLiv subscription thrown in for year 1. The card also works well as a secondary entertainment-perks card for someone who already has a flat-cashback primary card (e.g., Amazon Pay ICICI or Axis Ace) and just wants the BOGO movies and Swiggy discount.
Anyone who prioritizes raw reward rate. The Amazon Pay ICICI (5% on Amazon for Prime members, 3% for non-Prime, 1% base, zero annual fee) returns far more on pure spending. Axis Ace gives 5% cashback on bill payments (via Google Pay), 4% on Swiggy/Zomato/Ola, and 1.5% on everything else for a ₹499 fee (waived on ₹2L annual spend). If you don't use Swiggy, don't watch theatre movies, and don't care about SonyLiv year 1, this card offers almost nothing. Frequent international travellers should skip it entirely: the 3.5% forex markup is punishing.
How It Compares
Side-by-side with similar cards in our database.
| Feature | This card | SBI SimplyCLICK | Scapia |
|---|---|---|---|
| Annual fee | ₹500 | ₹499 | Free |
| Reward ratecash-equivalent · accelerated | 0.50%0.80% if redeemed for travel | 0.25%no accelerator | 2.00%no accelerator |
| Network | Visa / Mastercard | Mastercard | Visa / RuPay |
| Acceptance | Universal | Universal | Universal |
| Eligibility | Applicable | Applicable | Not accepting |
Methodology: reward rates shown at cash-equivalent redemption (statement credit / direct cashback): the most conservative tier every cardholder can realize. Travel-transfer or partner-merchant routing can be materially higher; see each card's full review for upside scenarios.
Fees & Charges
Complete breakdown of all fees associated with this card.
Value Verdict
Eligible spend · no routingEstimated annual value at ₹50,000/month spend with base earn on eligible retail (after assumed 25% in excluded categories), plus milestones + lounge access at realistic utilization.
+ up to ₹4,800/yr fuel surcharge savings (regularly transact ₹400–₹4,000 per fill, not included above).This waives the 1% surcharge petrol pumps add. Fuel spend itself still earns 0% cashback on this card.
✓ On base rewards alone (no memberships, lounge, or milestones), this card pays for its GST-inclusive fee at ₹13,111/month spend. Below that, the card only makes sense if you actually use the perks listed above.
Year 1 also carries a one-time ₹500 + 18% GST joining fee (~₹590), charged upfront on issuance and not waivable by spend. The net above reflects the renewal-year fee; subtract the joining fee from year-1 value.
First year bonus: +₹999 welcome value (not included above)Year-1 net: ₹590 upfront (fee + 18% GST, GST non-refundable) − ~₹800 realized voucher value (closed-loop, ~15% liquidity haircut) ≈ ₹0 net cost, not zero.
Assumptions used in this estimate▸
- • Reward earnings shown at the conservative redemption tier (vouchers / statement credit).
- • Milestone bonus of ₹200/year assumes you hit the spend threshold every period: base earn alone (no milestone) is ₹2,250/year.
- • Lounge value uses ~55% realistic utilization (most flyers don't fully clock the available visits). Per-visit anchors: ₹800 domestic, ₹1,500 international. Retail-equivalent (100% utilization) would be ₹3,200.
- • Lounge access is gated at ₹50,000/quarter preceding spend. At ₹50,000/month you clear the gate with ₹1,00,000 headroom, value counted at full utilization band.
- • Assumes 25% of your spend lands in 10 excluded categories (fuel, rent, etc.) that earn ₹0: eligible spend used in the math above is ₹37,500/month.
- • Annual fee of ₹500 + 18% GST (₹590 total) is included in the net calculation. Fee is non-waivable.
Eligibility
Requirements you need to meet to apply for this card.
Before You Apply: Lounge Access Requires Spend
You must spend ₹50,000 per quarter to unlock lounge visits. Without meeting this threshold, lounge access is not available even though the card advertises it.
Data verified against Axis Bank official website · Last verified: 2026-05-17 · Terms & Conditions (MITC)
WhichWise does not accept payment for card placement or ratings. Fees, rates, and benefits may change. Always confirm with the issuer before applying.
Verified from the source
Key facts below are quoted verbatim from Axis Bank's own pages and documents, not paraphrased.
- Joining fee
“Joining fee ₹500”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Annual fee
“Annual Fee ₹500”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Reward type
“Earn four EDGE REWARD points for every ₹200 spent using your credit card.”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Welcome bonus
“Receive a SonyLIV premium annual subscription valued at ₹1499 for free with your first purchase within first 30 days of issuance.”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Forex markup
“Foreign Currency Transaction Fee 3.50% of the transaction value”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Lounge access
“Benefit from one complimentary access per calendar quarter to select airport lounges in India with your Axis Bank My Zone Credit Card. Benefit unlocked on spends of ₹50,000 in previous 3 months.”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Fuel surcharge waiver
“1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank MY Zone Credit Card.”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19 - Card network
“For more details and terms and condition for Visa lounges, please click here For more details and terms and condition for Visa lounges and for MasterCard lounges,”
Verified quote from axisbank.com (issuer website) · fetched 2026-04-19
Interested in Axis My Zone?
Check the official page for the latest terms before applying.