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Axis Bank · Visa · हिन्दी

Axis Bank MY Zone Credit Card: full review

The Axis MY Zone is not a rewards card. It's a lifestyle discount card. The ₹240/month Swiggy savings plus free SonyLIV and movie BOGO make the ₹500 fee pay for itself quickly for young urban users. Don't pick it expecting cashback, pick it for the flat discounts.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
MY ZONE
ASHOK KUMAR
12/28
₹500 + taxes (waived on ₹2,00,000/year spend)Annual fee
4 EDGE points per ₹200 on all eligible spends (0.5%); main value in flat discounts on Swiggy, movies and diningReward structure
4 domestic visits/year (on ₹50,000/quarter spend)Lounge access

Key benefits of the Axis Bank MY Zone Credit Card

₹120 instant off on Swiggy food orders above ₹500 (twice/month, code AXIS120)Buy 1 Get 1 on movie tickets via District app (up to ₹200/month, code AXIS200)Free SonyLIV Premium annual subscription (worth ₹999) on first transactionUp to ₹1,000 off at AJIO on min ₹2,999 order4 EDGE reward points per ₹200 on all eligible spends4 domestic lounge visits/year on ₹50,000/quarter spend
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ ₹240/month Swiggy discount is real and consistent value
✓ SonyLIV subscription alone worth ₹999 offsets fee
✓ Movie BOGO adds ₹200/month for regular moviegoers
✓ Lounge access at ₹500 fee is strong
Cons
✗ Very low 0.5% base reward rate
✗ No accelerated cashback on any category
✗ No rewards on fuel, utility, movies, wallet loads
✗ Swiggy discount requires coupon code every time
Quick facts
Issuer Axis Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Axis Bank MY Zone Credit Card is ₹500 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹500.
The main benefits of the Axis Bank MY Zone Credit Card are: ₹120 instant off on Swiggy food orders above ₹500 (twice/month, code AXIS120); Buy 1 Get 1 on movie tickets via District app (up to ₹200/month, code AXIS200); Free SonyLIV Premium annual subscription (worth ₹999) on first transaction; Up to ₹1,000 off at AJIO on min ₹2,999 order; 4 EDGE reward points per ₹200 on all eligible spends; 4 domestic lounge visits/year on ₹50,000/quarter spend.
4 EDGE points per ₹200 on all eligible spends (0.5%); main value in flat discounts on Swiggy, movies and dining
Axis Bank MY Zone Credit Card is best for Young urban spenders who want lifestyle discounts on food, movies and entertainment. The Axis MY Zone is not a rewards card. It's a lifestyle discount card. The ₹240/month Swiggy savings plus free SonyLIV and movie BOGO make the ₹500 fee pay for itself quickly for young urban users. Don't pick it expecting cashback, pick it for the flat discounts.
The minimum income requirement for Axis Bank MY Zone Credit Card is ₹15,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, Axis Bank MY Zone Credit Card offers 4 domestic visits/year (on ₹50,000/quarter spend).
Axis Bank MY Zone Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →
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Axis Bank MY Zone₹500 + taxes
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