All cards / Axis Bank
Axis My Zone Credit Card
A near-free entry-level lifestyle card built around movie and food-delivery perks (BOGO cinema tickets, Swiggy discounts) rather than broad rewards — the flat 2% point rate excludes fuel, utilities, insurance, and rent spend.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Reward rates by category
- Fuel0%
- Utilities0%
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- Buy One Get One Free on movie tickets via the District app (100% off second ticket), and 10% off / instant discount on Swiggy food orders (up to ₹120–150, capped, twice a month)
- One complimentary domestic airport lounge visit per calendar quarter (4 per year) at select lounges in India
- 1% fuel surcharge waiver on all fuel transactions in India (₹400–₹4,000, capped at ₹400 per statement cycle)
- 1,000 bonus EDGE REWARD Points on reaching ₹1.5 lakh in spends within the card anniversary year
Pros
- + Very low ₹500/₹500 fees with no spend threshold to worry about
- + BOGO movie tickets + Swiggy discounts are genuinely useful for the target user
- + Quarterly complimentary lounge visit at a near-zero fee
Cons
- − Reward points excluded on fuel, utilities, insurance, rent, movies, and EMI spend
- − Very high revolving APR (55.55% p.a.) if balance is carried
Applying takes you to Axis Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.