Informative Review: Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


The Axis Bank My Zone Credit Card is an excellent option for those looking for a credit card with good rewards and benefits. The card offers a wide range of perks, including 40% cash back on Swiggy, No annual fee, and complimentary airport lounge access. While the interest rate is on the higher side, it is still a competitive option in the market. Overall, the Axis Bank My Zone Credit Card is a good choice for those looking for a rewards credit card with some great benefits.


When it comes to credit cards, there are a lot of options out there. But if you’re looking for a card that offers excellent rewards and benefits, the Axis Bank My Zone Credit Card is a great choice.

This blog post will look at the features and benefits of the Axis Bank My Zone Credit Card and some things to watch out for. So if you’re considering this card, read on for our full review.

Image of Axis Bank My Zone Credit Card

Highlights of Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card

Image of Axis-Bank-My-Zone-Credit-Card
  • 40% off on Swiggy orders ( 4 times per month )
  • Buy 1 Get 1 offer on Paytm Movies ( Once per month – max discount is Rs 200 )
  • Ajio Select Styles offer ( Max Rs 600 off with minimum order of Rs 2000 – No Capping )
  • Complimentary Airport Lounge Access
  • Complimentary SonyLiv Premium Annual Subscription

Fees & Charges

DescriptionFees & Charges
Joining FeeRs 500 and Life Time Free Offer for *select channels
Annual Fee1st Year: NIL
2nd Year onwards: Rs 500, Lifetime Time Free Offer for *select channels
Add-On Card FeeNIL
Card Replacement FeeNIL
Finance Charges (Retail Purchases & Cash)3.6% per month (52.86% per annum)
Foreign Currency Transaction Fee3.50% of the transaction value

Eligibility Criteria for the card

  • Primary cardholder should be between 18 to 70 years of age.
  • Add-on cardholder should be minimum 15 years of age.
  • Applicant should be either a India Resident or Non-Resident Indian.

Documents required for the card

  • PAN Card or Form 60
  • Driving License
  • Aadhaar Card
  • Passport Size Photograph

How to apply for a Axis Bank My Zone Credit Card?

  • Visit the official site Axis Bank and fill in all the details.
  • You must check your eligibility by selecting the “Check Eligibility” option. 
  • Once you clear the eligibility criteria, you will be asked to add your documents.
  • Complete the application.
  • Use the “Track Application” option to track your application status.

Benefits of Axis Bank My Zone Credit Card

There are many advantages to using this credit card:

Earn EDGE Rewards

Axis Bank My Zone Credit Card is your customizable rewards program. Earn EDGE points on every purchase, as detailed below.

There are a few conditions for earning reward points on your credit card. For example, you won’t make any points for movie, fuel and EMI transactions. For the EDGE reward points to be valid, you’ll need to use them on items available from merchants on Axis Bank’s network. Articles typically range from gadgets and electronics to fashion accessories.

Buy One Get One Offer on Movie Tickets

This credit card provides a 100% discount on the 2nd movie ticket at Paytm Movies. You need to keep these points in consideration while planning to avail this offer:

  • You can avail a maximum discount of Rs 200 per customer in a given calendar month.
  • Use AXIS200 to use this offer.
  • On the downside, you will not earn any reward points on these movie transactions.

Complimentary SonyLiv Subscription for 1 year

You will become eligible to avail of this fantastic card feature if you make any transaction within 30 days from the card issuance date. The annual fee of the premium SonyLiv subscription, without the offer, is Rs 999.

  • The premium subscription has a renewal facility. If you spend Rs 1.5 Lakh in an anniversary year, you can avail of this offer.
  • The eligible customers will receive voucher code via SMS on their registered mobile numbers within 45 days of the card issuance date.

40% off on Swiggy Orders

  • You can avail a maximum discount of 40% on the food orders per customer in a given calendar month.
  • Use AXIS40 to use this offer.
  • There is a capping. You can get a maximum discount of Rs 120 per food order. Also, you have to spend a minimum of Rs 200.
  • This offer can be used up to maximum 4 times in a calendar month.

Dining Delights

You can enjoy savoury cuisines with an amazing discounts of up to 20% at the selected restaurants across India. This offer is provided to you through Dining Delights programme.

Flat Discount of Rs 600 on Ajio

  • You can avail a flat discount of Rs 600 per customer in a given calendar month.
  • Use AXISMYZONE to use this offer.
  • To avail this offer, you need to have a minimum spend of Rs 2000.
  • The offer will be applicable to only the selected products. Click here to access these products.

Pros & Cons


  • The card offers premium annual subscription of SonyLiv worth Rs 999 as complimentary feature.
  • This credit card provides amazing offers/discounts on popular platforms across multiple categories: Paytm Movie tickets, Swiggy, Ajio.
  • There is also a complimentary offering of Airport Lounge Access via VISA platform.
  • You can earn reward points on financial transactions. They can be later redeemed through Rewards Catalogue.


  • The card applies higher rate of interest.
  • The reward rates seem lower than competition.


We might not receive the best EDGE rewards from the Axis MY Zone card, but it still has one or two good benefits. The card is still worthwhile even if we don’t spend on other categories and pay an annual fee. That’s why I would say get this card as long as you can take advantage of Swiggy and Paytm.

Please read the other interesting posts:

Can I withdraw money from my Axis Bank My Zone Credit Card?

Yes, you can withdraw cash using your Axis Bank Credit Card in an emergency. It is advised to not use credit card to withdraw cash in normal circumstances. However, the bank charges a cash advance fee of 2.5% of the transacted amount for withdrawing money via credit card.

How do I apply for Axis Bank My Zone Credit Card?

You can apply for Axis Bank My Zone Credit Card online on the bank’s official website. Alternatively, you can also visit any branch of Axis Bank and fill out an application form.

How do I know if my Axis Bank My Zone Credit Card application is successful?

Once your application is successfully processed, you will receive an email or SMS from the bank confirming your approval.

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