Axis Bank MY Zone Credit Card
Best for entry users wanting OTT and movie/dining offers. 4 EDGE RP per Rs 200 (~Rs 0.20/RP); 1,000 bonus RP at Rs 1.5 lakh annual spend
Terms as of 2026-08-27 · Checked 29 September 2026Axis Bank MY Zone Credit Card at a glance
Who it suits: Entry users wanting OTT and movie/dining offers
Rewards & cashback
| Details | |
|---|---|
| How you earn | 4 EDGE RP per Rs 200 (~Rs 0.20/RP); 1,000 bonus RP at Rs 1.5 lakh annual spend |
| Caps & exclusions | No RP on movies, fuel, rent, insurance, utilities, jewellery, education, government, wallet, EMI |
| Welcome benefit | SonyLIV Premium annual membership on first spend within 30 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹480 | -₹110 |
| ₹3,00,000 / year | ₹1,200 | ₹610 |
| ₹6,00,000 / year | ₹2,400 | ₹1,810 |
| ₹12,00,000 / year | ₹4,800 | ₹4,210 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 1 domestic visit/quarter on Rs 50,000 spend in previous 3 months |
| Fuel surcharge | 1% waiver on Rs 400-4,000, max Rs 400/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 18-70 (card-specific) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| HDFC Bank Millennia | HDFC Bank | ₹1,000 / ₹1,000 | 1.00% base value | Online shoppers who use the partner brands |
| IRCTC SBI Card (Platinum) | SBI Card | ₹500 / ₹500 | 0.80% base value | Frequent IRCTC train bookers |
| BOBCARD Tiara | Bank of Baroda (BOBCARD) | ₹2,499 / ₹2,499 | 0.75% base value | Women seeking lifestyle memberships + travel rewards |
Frequently asked questions
What is the annual fee of the Axis Bank MY Zone Credit Card?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST).
What rewards does it offer?
4 EDGE RP per Rs 200 (~Rs 0.20/RP); 1,000 bonus RP at Rs 1.5 lakh annual spend Caps/exclusions: No RP on movies, fuel, rent, insurance, utilities, jewellery, education, government, wallet, EMI
Does it give airport lounge access?
1 domestic visit/quarter on Rs 50,000 spend in previous 3 months
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the Axis Bank MY Zone Credit Card good for me?
Best for: Entry users wanting OTT and movie/dining offers. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-08-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Axis Bank’s website before applying. FinancePortal is not affiliated with the issuer.