All cards / Axis Bank
Axis My Zone Credit Card
The Axis My Zone is an entry-level lifestyle card built around movie and food-delivery perks rather than broad rewards — buy-one-get-one movie tickets on the District app and recurring Swiggy discounts are its headline draws, backed by a flat 2% points rate and quarterly lounge access. It suits someone who watches movies and orders in regularly more than someone chasing a high reward rate, since the points program excludes fuel, utilities, insurance, and rent spend entirely.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter (4 per year) at select lounges via Axis Bank's lounge program
Benefits by category
- ✈️ Travel
One complimentary domestic airport lounge visit per calendar quarter (4 per year) at select lounges in India
- 🧾 Utilities
0% reward rate
- ⛽ Fuel
0% reward rate · 1% fuel surcharge waiver on all fuel transactions in India (₹400–₹4,000, capped at ₹400 per statement cycle)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: EDGE Reward points can be redeemed for vouchers/statement credit; redemption processing fee of ₹99 applies per request
- Foreign currency markup: 3.5%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
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
- + Low ₹500 joining and annual fee with no spend threshold to unlock benefits
- + BOGO movie tickets via the District app and recurring Swiggy discounts suit frequent entertainment/food-delivery spenders
- + One complimentary domestic lounge visit per quarter (4/year) despite the low fee
- + 1% fuel surcharge waiver on transactions across India
- + Milestone bonus of 1,000 EDGE points on crossing ₹1.5L in annual spend
Cons
- − Reward points are excluded on fuel, utilities, insurance, rent, movies, and EMI spend, narrowing where the 2% rate actually applies
- − Very high revolving APR (55.55% p.a.) if a balance is carried month to month
- − No annual fee waiver tied to spend, unlike many entry-level competitors
Best for
Related guides