All cards / Axis Bank
Axis Bank My Zone Easy Credit Card
The lighter, fee-free-in-year-one version of Axis My Zone, aimed at movie-going, casual spenders rather than heavy reward chasers. The 25% movie-ticket cashback (capped ₹1,000/year) is the standout feature, backed by modest 0.8% rates on online shopping and dining and a small dose of lounge access — everything else about the card sits at entry-level. From year two the ₹500 fee applies with no published spend-based waiver, so it's best suited to someone who values the movie discount specifically rather than a general-purpose rewards card.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.4%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: 25% cashback on movie tickets booked online or at the box office, capped at ₹1,000 per card year
- Rewards rate: 0.4% base rate
Benefits by category
- 🍽️ Dining & food delivery
0.8% reward rate
- ✈️ Travel
Complimentary domestic airport lounge benefit, though visit frequency is lower than the full My Zone card and not unlimited
- 🛍️ Shopping
0.8% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: ₹99 redemption processing fee applies on EDGE Reward point redemptions for vouchers/statement credit
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 25% cashback on movie tickets booked either online or at the box office, capped at ₹1,000 in a card year — the card's single biggest value driver
- Complimentary domestic airport lounge benefit, though visit frequency is lower than the full My Zone card and not unlimited
- Bonus EDGE Reward Points credited on reaching annual spend milestones, on top of the base 0.4% earn rate
Pros
- + No fee in year one, letting new cardholders try the card at zero cost
- + 25% cashback on movie tickets, capped at ₹1,000/year — a genuinely strong entertainment perk
- + Modest 0.8% bonus rate on both online shopping and dining spend
- + Some complimentary domestic lounge access included despite the low fee
Cons
- − Very low 0.4% base reward rate outside the two bonus categories
- − Fuel, EMI payments, and movie tickets themselves are excluded from points earning
- − No published spend-based fee waiver from year two onward