Axis My Zone Credit Card
The Axis Bank My Zone Credit Card is a simple and convenient option with great perks for people who enjoy dining, movies, and shopping. It gives you a free SonyLIV Premium subscription worth ₹1,499 every year if you meet the spending requirement. For every ₹200 you spend, you earn 4 EDGE Points, where each point is worth ₹0.20 — that's a reward rate of 0.4%. You can also get up to 15% off dining bills through the Dining Delights program (up to ₹500 per bill) and a "Buy 1 Get 1 Free" movie ticket offer every month on District by Zomato, with a yearly cashback limit of ₹1,000.
This card also offers travel and lifestyle benefits. You get access to select airport lounges four times a year if you meet the spending conditions. Plus, you can enjoy discounts on top brands like AJIO and Swiggy. With a low joining fee, the card is perfect for young adults and first-time users looking to save on everyday expenses while enjoying useful lifestyle benefits.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
Axis Bank My Zone Credit Card Review: Features, Benefits, and Rewards
If you are looking for a credit card that helps you save on entertainment, food, and shopping, the Axis Bank My Zone Credit Card can be a smart choice. It is designed for young professionals and regular spenders who want exciting discounts without paying a high annual fee. With free SonyLiv membership, dining offers, and movie discounts, this card makes everyday spending more rewarding.
Welcome Benefit – Free SonyLiv Premium Membership
As a new cardholder, you get a complimentary SonyLiv Premium Annual Membership worth ₹1,499. To qualify, you just need to make your first transaction within 30 days of card issuance. The membership code will be sent to your registered mobile number within 45 days. You can enjoy popular shows, sports, and movies without extra cost. If you spend ₹1.5 lakh or more in a year, you get the membership renewed for free next year.
Rewards on Everyday Spending
The Axis Bank My Zone Credit Card lets you earn 4 EDGE Reward Points for every ₹200 spent on eligible purchases. These points can be redeemed for shopping vouchers, products, or travel rewards on the Axis Bank EDGE Rewards portal. Each point is worth ₹0.20, making the value easy to calculate. You can redeem them anytime for various lifestyle and travel options. However, you don’t earn points on spends related to movies, fuel, wallet reloads, insurance, EMIs, or education.
Swiggy Food Discounts
If you often order food online, the Swiggy offer is a big plus. You get ₹120 off on orders worth ₹500 or more twice a month. Use the promo code “AXIS120” at checkout. This means you can save up to ₹2,880 every year just by ordering through Swiggy. The offer isn’t valid at Haldiram’s restaurants, but it covers many other popular outlets.
Buy One Get One on Movie Tickets
Movie lovers can enjoy a Buy One Get One (BOGO) offer on tickets booked through the District by Zomato app. Use the coupon code “AXIS200” to get up to ₹200 off on the second ticket each month. This can save up to ₹2,400 per year. It’s a simple way to make your weekend entertainment more affordable.
Dining Discounts with EazyDiner
The My Zone Credit Card comes with Axis Bank Dining Delights, powered by EazyDiner. You get 15% off up to ₹500 on dining bills of ₹1,500 or more once every month. Over a year, this can save you around ₹6,000 if you dine out regularly. It’s a great benefit for couples, families, or anyone who loves exploring restaurants.
Fashion Offers on Ajio
The card also gives exciting shopping offers on Ajio. You can get up to ₹1,000 off on a minimum spend of ₹2,999. Use the coupon code “AJIOAXISMZ” during checkout to apply the discount. The offer is valid on selected fashion items including jackets, T-shirts, sweaters, and party wear. It’s a simple way to stay trendy while saving more on clothing.
Airport Lounge Access
Travelers can enjoy one complimentary domestic airport lounge access every quarter, up to four times a year. From May 2024, you’ll need to spend ₹50,000 in the last three months to qualify for this benefit. For new cardholders, the first three months are exempt from this condition. Lounge access helps make travel more comfortable by offering a quiet place to relax before flights.
RuPay UPI Variant
Besides Visa and MasterCard, the Axis Bank My Zone Credit Card is available on the RuPay network. You can link the RuPay version to UPI apps like Google Pay and PhonePe. This allows you to make UPI payments directly from your credit card, combining the ease of UPI with the benefits of a credit card.
Fuel Surcharge Waiver
The card offers a 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 at any petrol pump in India. The maximum benefit you can receive is ₹400 per billing cycle. Even though fuel spends don’t earn reward points, this waiver ensures you save a little on every refill.
Annual Savings Summary
Here’s what your total benefits could look like in one year:
- SonyLiv Membership: ₹1,499
- Swiggy Discounts: ₹2,880
- Movie Offers: ₹2,400
- Dining Discounts: ₹6,000
- Lounge Access: ₹2,000
- Ajio Offer: ₹1,000
That’s almost ₹9,000 worth of yearly benefits from a card that costs only ₹500 as a joining fee. This makes it one of the most value-for-money lifestyle credit cards available.
Axis Bank My Zone Credit Card Eligibility and Fees
To apply for the Axis Bank My Zone Credit Card, you must meet the following basic criteria:
- The main cardholder must be aged between 18 and 70 years.
- Add-on cardholders should be at least 15 years old.
- The applicant must have a stable income.
- Available to both Indian residents and NRIs.
The joining fee is ₹500, and the same amount is charged as an annual fee from the second year. However, if you spend ₹2 lakh or more in a year, the annual fee is waived off automatically.
Credit Limit and Management
Your credit limit depends on your income, credit history, and repayment pattern. Axis Bank usually offers higher limits to customers with good credit scores and consistent repayment behavior. If you maintain a good record for a few months, you can request a higher limit by contacting Axis Bank customer care or visiting a nearby branch.
How to Apply
You can get the Axis Bank My Zone Credit Card either by applying online or visiting a nearby branch.
- Online: Visit the Axis Bank website, click on “Apply Now,” fill in your details, and submit the form for instant processing.
- Offline: Visit your nearest Axis Bank branch and apply by filling a physical application form with valid documents like identity, address, and income proof.
The approval is usually quick, and the card is delivered to your registered address within a few days.
Customer Support
Axis Bank provides 24x7 customer care support for all cardholders. You can call 1860-419-5555 or 1860-500-5555 for assistance. You can also use the “Contact Us” option on the Axis Bank website to raise a service request or send an email.
Why You Should Get the Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is ideal for people who spend regularly on food delivery, online shopping, and movies. It gives you entertainment, travel, and dining benefits without a heavy annual cost. Whether you are a student, a young professional, or a frequent traveler, this card helps you earn rewards while keeping your expenses under control.
Axis Bank My Zone Credit Card Review
The Axis Bank My Zone Credit Card stands out as one of the best lifestyle cards in India. It combines savings, entertainment, and travel perks in one package. With benefits worth more than ₹9,000 a year and a joining fee of just ₹500, it delivers great value for money. The free SonyLiv membership, dining offers, and easy reward redemption make it a perfect choice for modern users who want both comfort and savings.
What is the highest movie cashback you can get with the Axis Bank My Zone Credit Card?
You can receive up to ₹1,000 in cashback per calendar year for movie-related expenses when using this card.
Is it possible to turn your purchases into EMIs using this credit card?
Yes, any transaction worth ₹2,500 or more can be effortlessly converted into Easy Monthly Installments (EMIs).
Are reward points available for fuel transactions with this credit card?
No EDGE points are awarded for fuel purchases. However, a 1% fuel surcharge waiver is offered for transactions between ₹400 and ₹4,000, up to a relief of ₹400 per billing cycle.
What's the interest rate for the My Zone Credit Card?
The card carries a monthly interest rate of 3.6%, which equates to 52.86% per annum.
Is there a fee for redeeming reward points?
Axis Bank does not impose any fees for redeeming the EDGE Points earned with the My Zone Credit Card.
How do I take out cash with the My Zone Credit Card?
You can withdraw cash from ATMs at any time. But keep in mind that a 2.5% fee is added to the total amount you take out.
How does the Axis Bank My Zone Credit Card work?
The card grants a line of credit for purchases and cash advances, with repayment due by a specified date. Failure to repay in full attracts interest and fees, but minimum payments are accepted.
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