Axis Bank MyZone Credit Card
The Axis Bank MyZone Credit Card is a lifestyle credit card made for young people and first-time users. It offers great discounts on food delivery, movies, shopping, and airport lounge access. One of the best features is the Buy 1 Get 1 Free movie ticket offer through the Zomato app (up to ₹200 per month). You also get ₹120 off on Swiggy orders twice a month, helping you save up to ₹240 monthly.
The card gives a free SonyLIV Premium subscription (worth ₹1,499) when you make your first purchase. It also provides up to ₹1,000 off on Ajio shopping and discounts on dining through EazyDiner. If you travel, you get 1 free airport lounge visit per quarter, after spending ₹50,000 in the last 3 months. There is also a fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000. The joining and annual fee is ₹500, but it’s sometimes available as lifetime free. While reward points are limited, the card is great for lifestyle savings.
About Axis MyZone Credit Card
- Buy 1 Get 1 Free On Movie Tickets- Get 100% discount on 2nd movie ticket booked via District app (Max. discount upto Rs 200/month/user)
- Save Rs 2,880 annually on Swiggy- Enjoy flat Rs 120 off on food orders twice a month on a minimum spend of Rs 500 per order (offer not applicable on Haldiram’s Restaurants)
- Enjoy a SonyLiv Premium annual subscription worth Rs 1499 on your first transaction within 30 days of card issuance
- Get upto Rs 1000 off at AJIO, on minimum spends of Rs 2999, applicable on selected styles (using coupon code AJIOAXISMZ on select styles)
- Get upto 15% discounts at partner restaurants. Offer is applicable on minimum bill value of Rs 2500 and valid once per card per month (upto Rs 500)
Other Features of the Card
- Earn 1,000 Reward Points on spending Rs 1,50,000 in a card anniversary year
- Get 4 Edge reward points on every spend of Rs 200, except on Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions and EMI transactions ( 1 RP = Rs 0.20)
- Get a complimentary domestic lounge access per quarter with a Rs 50,000 spend in the past three months
- 1% Fuel Surcharge waiver on all fuel transactions between Rs 400 and Rs 4000 (capped at Rs 400 per month)
Fees & Lcharges
- Joining Fees: Rs 500 + GST
- Annual fees: Rs 500 + GST
Pros
- Free Sony Liv Membership.
- Buy 1 Get 1 on movie tickets.
- This card comes with EMV certification secured by both a chip and a PIN for safe transactions.
- Fuel surcharge waiver at all fuel stations in India.
- It offers 40% off on Swiggy, making it a good option for Swiggy users.
Cons
- This credit card has a high-interest rate.
- A balance transfer fee of 3% of the transferred amount is charged.
- A foreign fee of 3% of the transaction’s total cost is charged.
- Only 1 complimentary lounge access per quarter.
- No reward points on movie transactions.
- No welcome benefits offered.
Conclusion
The Axis Bank MyZone Credit Card is a good option if you often order food online, watch movies, and shop on Ajio. You get great discounts on Swiggy, free movie tickets, free SonyLIV subscription, and airport lounge access if you meet the spending limits.
It’s best for young people or first-time card users who want lifestyle benefits more than cashback or reward points.
But it’s not ideal if you want to earn lots of rewards on daily spending or if you often carry a balance (since interest rates are high). Also, rewards are limited to a few categories.
👉 Overall: Great for fun and lifestyle perks, but not the best for serious savings or all-around rewards. Use it smartly to get the most value.
Eligibility Criteria
- Required Age: 21-65 years
- Employment status: Salaried or Self-Employed
- Salaried Income: Rs 15,000 per month
- Self Employed Income: ITR > Rs 2,40,000/annum
- Cibil Score: 735+
- New to Credit not allowed
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or Salary slips
- Photograph: Recent passport-sized photo
Frequently Asked Questions
1. Can I earn reward points on fuel transactions via Axis Bank My Zone Credit Card?
No, the cardholder cannot earn reward points on fuel transactions; however, the cardholder is eligible for a fuel surcharge waiver.
2. How can I increase my Axis Bank My Zone Credit Card limit?
Several ways to increase the Credit Card limit include using a mobile app, mobile banking, or SMS. Customers can also call the customer service number to request an increase in their credit limit.
3. How can I apply for Axis Bank My Zone Credit Card?
There are several ways to apply for the Axis Bank My Zone Credit Card:
1) Online application (you can apply for the Axis Bank My Zone Credit Card through the official website);
2) Offline application (customers can visit their nearest branch and apply for the credit card by filling out the application and submitting it); and
3) Customer care over the phone.
4. What is the foreign currency transaction fee charged on Axis Bank My Zone Credit Card?
The foreign currency transaction fee on the Axis Bank My Zone Credit Card is 3.5% of the transaction amount. Any international transaction made with the Axis Bank My Zone Credit Card is subject to this foreign currency transaction fee.
