Axis Bank

Axis Bank MY ZONE Credit Card

Entertainment card: buy-one-get-one on District movie tickets, ₹120 off Swiggy, quarterly lounge access on spends, 4 EDGE points per ₹200.

₹500 joining, ₹500 a year
Works on UPI (RuPay)
RuPay

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Good

Nothing stands out against the cards we compare.

Watch out for

At ₹500 a year, it doesn't beat a free card's rate on any spend
Earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments
Low base rate: 0.4% on everyday spends
High forex markup (3.5%)

Who it's for: Frequent flyers who use airport lounges and can meet the fee waiver.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.4% (base rate)
Online shopping: 0.4%
Fuel: 0%
Bills and utilities: 0%
Dining and food delivery: 0.4%

Fees and charges

Joining fee: ₹500
Annual fee: ₹500
Fee waiver: Not published by the bank
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400 to ₹4,000; max ₹400 per statement cycle (also on credit-card-on-UPI)

Benefits and eligibility

Airport lounge: 4 domestic visits a year (1 a calendar quarter) after ₹50,000 eligible spend in the previous 3 calendar months; the spend rule is waived for a new card's month of issue and the next 3 months.
Card network: RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: Primary cardholder aged 18 to 70; resident of India or NRI; approval at bank's discretion

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.

What changed recently

From 1 Nov 2026UpcomingOtherWorse for you
The buy-one-get-one District movie offer will need ₹25,000 of spend in the previous 3 months (waived for a new card's month of issue and the next 3 months).
Before: No spend condition · After: ₹25,000 spend in the previous 3 calendar months
Announced change, takes effect after the log date.
Bank's notice or terms
28 Aug 2026FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Bank's notice or terms
28 Aug 2026FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms
28 Aug 2026Excluded spendsNeutral
Bridge fees, road fees and tolls now earn no rewards (tolls were already excluded).
Before: Tolls excluded on the product page only · After: Tolls, bridge and road fees excluded in the card terms
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the Axis Bank MY ZONE Credit Card worth it in 2026?

Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.

Is the Axis Bank MY ZONE Credit Card lifetime free?

No. It costs ₹500 to join and ₹500 a year, plus GST.

Does the Axis Bank MY ZONE Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments.

Does the Axis Bank MY ZONE Credit Card give airport lounge access?

4 domestic visits a year (1 a calendar quarter) after ₹50,000 eligible spend in the previous 3 calendar months; the spend rule is waived for a new card's month of issue and the next 3 months.

What earns no rewards on the Axis Bank MY ZONE Credit Card?

Also no points on movie tickets, telecom, gift cards, bridge and road fees and tolls, or card repayments. No cap on points earned is published (4 points per ₹200, plus a 1,000-point bonus on ₹1.5 lakh of eligible spend in a card anniversary year).

Who can get the Axis Bank MY ZONE Credit Card?

Primary cardholder aged 18 to 70; resident of India or NRI; approval at bank's discretion Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Axis Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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