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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Axis Bank My Zone


Axis Bank My Zone Credit Card is a lifestyle-focused credit card designed for everyday spending on food, entertainment, travel, and online shopping. It offers value-back benefits, OTT subscriptions, dining discounts, and lounge access, making it ideal for young professionals and regular spenders.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (subject to bank conditions)
Age: 18 to 60 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Complimentary SonyLiv Premium subscription (welcome benefit)
Flat discount offers on Swiggy (multiple times per month)
4 EDGE Reward Points on every ₹200 spent
Complimentary domestic airport lounge access (quarterly)
1% fuel surcharge waiver across India
EMI conversion available on eligible transactions
Dining and entertainment offers available
Contactless payment

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST*
Joining Fee: ₹500 (often waived on offers)
Annual Fee: ₹500 (waived on spending criteria)
Interest Rate: ~3.4%–3.75% per month (~49%–55% p.a.)
Cash Withdrawal Fee: 2.5% (min ₹500)
Foreign Currency Markup: 3.5%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Passport-size photographs

FAQs

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It offers OTT subscription, dining discounts, reward points, and lounge access benefits.

Yes, ₹500 annual fee, which can be waived on meeting spending conditions.

Yes, complimentary domestic lounge access is available (subject to spend criteria).

You earn 4 EDGE Reward Points for every ₹200 spent.

Yes, 1% fuel surcharge waiver is applicable on eligible transactions.

Terms & Conditions

Approval is subject to Axis Bank credit policy
Fees and charges may change as per bank guidelines
Rewards and offers are subject to merchant/category restrictions
Late payments may attract penalties and impact credit score
Lounge access may be linked to minimum spend criteria

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Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST*
Rewards Complimentary SonyLiv Premium subscription (welcome benefit)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AXIS BANK