Axis Bank My Zone Credit Card

Name: Axis Bank My Zone Credit Card
Brand: Axis Bank
Availability: InStock
Rating: 3 (1 reviews)

Overview

Axis Bank My Zone Credit Card is a lifetime free card on the Mastercard network, aimed at lifestyle spenders who value entertainment and food delivery perks over high reward earn rates. It earns 4 EDGE Reward Points per ₹200 on all eligible spending, translating to a 0.4% return.The headline benefit is a complimentary SonyLIV Premium annual subscription (₹1,499 value) on the first purchase within 30 days, renewable on ₹1.5 lakh annual spend. Buy-one-get-one movie tickets on the District app (up to ₹200 off monthly) and ₹120 off on Swiggy twice monthly add recurring entertainment value.AJIO shopping discounts (up to ₹1,000 on ₹2,999+), 1 domestic lounge visit per quarter (on ₹50,000 quarterly spend), fuel surcharge waiver, and the Dining Delights programme round out the card's utility. Axis Bank's value chart estimates approximately ₹13,000 in annual benefits for regular users.With no annual fee, the card eliminates any break-even threshold. The 0.4% base earn rate and category exclusions (fuel, rent, utilities, insurance, jewellery, education, government) on rewards limit the earning potential. Users wanting higher earn rates or international lounge access should look at paid cards in the Axis range.

Pros

↑Lifetime free with no joining or annual fee on Mastercard, eliminating any cost barrier to accessing the entertainment and lifestyle perks
↑SonyLIV Premium subscription (₹1,499 value) on first purchase plus BOGO movies and Swiggy discounts deliver over ₹6,000 in entertainment value annually
↑1,000 milestone EDGE Points at ₹1.5 lakh plus SonyLIV renewal at the same threshold reward consistent spenders on a free card

Cons

↓Base reward rate of 4 EDGE Points per ₹200 (0.4% return) is low, with a long list of category exclusions reducing effective earning opportunities
↓Domestic lounge access limited to 1 visit per quarter, conditional on ₹50,000 quarterly spend, with no international lounge access
↓3.5% foreign currency markup and 1% surcharges on rent, wallet, fuel, utilities, and education add costs that other free cards may not impose

Key Highlights

Welcome Offer
SonyLIV Premium subscription worth ₹1,499 free
Complimentary SonyLIV Premium on first purchase within 30 days
Voucher code sent via SMS within 45 days
Renewal on ₹1.5L spend in anniversary year
Applicable on paid cards only for renewal

Reward Rate
4 EDGE Points per ₹200 on eligible spends
4 points per ₹200 = ~0.4% return
Excludes fuel, rent, insurance, utilities, wallet, jewellery, education, government
EMI-converted transactions lose points
Redemption via EDGE Rewards catalogue

Minimum Salary
18-70 years, Indian resident or NRI
Age: 18 to 70 years
Indian resident or NRI eligible
PAN card or Form 60 required
Income proof required

Joining Fee
₹0 (Lifetime Free for Mastercard)
Joining fee: ₹0 for Mastercard network
No annual fee ever
Add-on card: free
Visa/other networks may have fees

Annual Fee
₹0 (Lifetime Free for Mastercard)
Annual fee: ₹0 for Mastercard
No fee waiver needed
Add-on card: free

Why Choose?
Free entertainment: SonyLIV, movies, Swiggy, AJIO
SonyLIV Premium worth ₹1,499
BOGO movies up to ₹200/month
Swiggy ₹120 off x 2/month
AJIO up to ₹1,000 off on ₹2,999+

Key Benefits

Dining

★2.5

▼

Axis Bank Dining Delights at restaurants across India
Wednesday Delight: 10% off Swiggy, 10% off Tira
15% off flights and hotels via MakeMyTrip on Wednesdays

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
Maximum benefit: ₹400 per statement cycle
Applicable on CC on UPI transactions
GST on fuel surcharge non-refundable
No reward points on fuel

Reward Points

★2.0

▼

4 EDGE Reward Points per ₹200 on all eligible spends (~0.4% return)
1,000 milestone points on ₹1.5L annual spend
Exclusions: fuel, rent, insurance, utilities, wallet, jewellery, education, government
Points debited on EMI conversion

Merchant Offers

▼

SonyLIV Premium subscription worth ₹1,499 on first purchase
BOGO movie tickets on District (up to ₹200 off monthly, code AXIS200)
Swiggy: ₹120 off on ₹500+ orders, twice monthly (code AXIS120)
AJIO: up to ₹1,000 off on ₹2,999+ (code AJIOAXISMZ)
Total annual value: ~₹13,000 for active users

Airport Lounge Access

▼

1 complimentary domestic lounge visit per calendar quarter
Requires ₹50,000 spend in previous 3 months
Available at select domestic airports only
No international lounge access

Detailed Information

Joining Fee	₹0 (Lifetime Free for Mastercard)
Annual Fee	₹0 (Lifetime Free for Mastercard)
Annual Fee Waiver	Not applicable (Lifetime Free)
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5% + 1.5% DCC markup
Late Payment Charges	NIL up to ₹500; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000). Extra ₹100 for missing MAD two consecutive cycles
Overlimit Charges	2% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	NIL
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not specified (bank discretion)
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card or Form 60
Address Proof	Passport, Ration Card, Electricity Bill, or Landline Telephone Bill
Income Proof Salaried	Latest payslip, Form 16, or IT return
Income Proof Self Employed	IT return or equivalent income proof

Frequently Asked Questions

The My Zone Credit Card is lifetime free on the Mastercard network with ₹0 joining and annual fee. Add-on cards are also free.

New cardholders receive a complimentary SonyLIV Premium annual subscription worth ₹1,499 on their first purchase within 30 days. The voucher code is sent via SMS within 45 days.

SonyLIV Premium membership renews on spending ₹1.5 lakh in a card anniversary year. Rent and wallet transactions are excluded from this threshold. Applicable only on paid cards for customers onboarded before 31st March 2025.

Buy-one-get-one movie tickets on the District app with up to ₹200 off per month. Apply coupon code AXIS200 at checkout. No reward points are earned on movie transactions.

₹120 off on food delivery at Swiggy on minimum ₹500 orders. Valid twice per month using code AXIS120. Not applicable on Haldiram's restaurants.

Up to ₹1,000 off at AJIO on minimum purchases of ₹2,999 using coupon code AJIOAXISMZ. Applicable on select styles.

You earn 4 EDGE Reward Points for every ₹200 spent, approximately 0.4% return. No points on fuel, insurance, wallet, rent, utilities, jewellery, education, and government transactions.

1,000 EDGE Reward Points on achieving ₹1.5 lakh annual spend in a card anniversary year. Points credited within 90 days. Applicable to customers onboarded from 1st April 2025.

Yes. 1 complimentary domestic lounge visit per calendar quarter on spending ₹50,000 in the previous 3 months. No international lounge access.

Yes. 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. Also applicable on CC on UPI transactions.

3.5% of the transaction value plus 1.5% DCC markup on international transactions processed in Indian currency.

Access to the Axis Bank Dining Delights programme at restaurants across India, plus Wednesday Delight offers.

Every Wednesday: up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to ₹1,000 on Tira beauty.

NIL if total due is under ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 above ₹10,000. Extra ₹100 for missing MAD two consecutive cycles.

Yes. Transactions exceeding ₹1,500 can be converted to EMIs via internet banking, mobile app, or customer service.

Yes. Both Indian residents and NRIs between 18 and 70 years are eligible.

PAN card or Form 60, proof of income (latest payslip, Form 16, or IT return), and residence proof (passport, ration card, electricity bill, or telephone bill).

Fuel, insurance, wallet loads, rent, utilities, jewellery, education, government institutions, and movie transactions do not earn EDGE Reward Points.

Approximately ₹13,000 per year if fully utilised: SonyLIV ₹1,499, movies ₹2,400, Swiggy ₹2,880, AJIO and other offers, fuel surcharge savings, and reward points.

Yes. Add-on cards are available at no joining or annual fee.

1% per rental transaction plus GST.

EMV certified chip and PIN technology for protection against counterfeit and skimming fraud.

1% on cumulative wallet loads of ₹10,000 or more per statement cycle. Utility: 1% on ₹25,000+ per cycle. Education: 1% per third-party app transaction. Gaming: 1% on ₹10,000+ per cycle.

The lifetime free offer is specifically for the Mastercard network. Visa or other network variants may have different fee structures.

2.5% of the cash amount (minimum ₹500). Finance charges of 3.75% per month (55.55% per annum) apply from the date of withdrawal.