Axis Bank
Axis Bank MY Zone Credit Card
Free SonyLIV, movie BOGO and ₹120 off on Swiggy
Joining fee₹500 + GST
Annual fee₹500 + GST
NetworkVisa / RuPay
Forex markup3.5%
LoungeYes
Best forEveryday spends
Details checked October 2026 · Often issued lifetime free through select channels
01Rewards
| District movie tickets | Buy one get one, up to ₹200 off a month (needs ₹25,000 spend in the past 3 months from 1 Nov 2026) |
| Swiggy | ₹120 off on orders of ₹500+, twice a month |
| Cleartrip | 7% off flights (up to ₹2,000) and 18% off hotels (up to ₹4,000) |
| Other spends | 4 EDGE points per ₹200 |
Redemption: EDGE Reward Points worth about ₹0.20 each.
02Fees, benefits & charges
- Fee waiver
- No spend-based waiver (lifetime free on some offers)
- Welcome benefit
- SonyLIV Premium membership on first spend within 30 days
- Milestones
- 1,000 EDGE points on ₹1.5 lakh annual spend
- Airport lounges
- 1 domestic visit per quarter on ₹50,000 spend in the previous 3 months
- Forex markup
- 3.5%
- Fuel
- 1% surcharge waiver on ₹400–₹4,000, capped at ₹400/cycle
- No rewards on
- Movie tickets, fuel, rent, wallet loads, utilities, insurance, education, government, gold, EMI, tolls, gift cards
03Highlights & watch-outs
Highlights
- Movie BOGO every month
- Swiggy discounts
- RuPay variant for UPI
Watch out for
- Movie offer becomes spend-linked from Nov 2026
- Low base reward rate
Suits: Movie-goers and Swiggy users wanting a low-fee card.
04FAQs
What is the annual fee of the Axis Bank MY Zone Credit Card?
The annual fee is ₹500 + GST, and the joining fee is ₹500 + GST. No spend-based waiver (lifetime free on some offers)
Does the Axis Bank MY Zone Credit Card offer airport lounge access?
1 domestic visit per quarter on ₹50,000 spend in the previous 3 months
What is the forex markup on the Axis Bank MY Zone Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Axis Bank MY Zone Credit Card?
Movie tickets, fuel, rent, wallet loads, utilities, insurance, education, government, gold, EMI, tolls, gift cards.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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