Basic Information

Card Details Card Name: Axis Bank My Zone Credit Card; Bank Name: Axis Bank; Card Type: Credit Card

Card Category Entry Level (comparison-site classification)

Payment Network Confirm the network variant displayed on the specific application or issued card

Eligibility Primary applicant age: 18–70 years; Employment Type: Income and employment documents may be required; specific employment categories are not confirmed on the product page

Credit Limit Credit Limit: Determined by the bank based on its credit assessment

Rewards Program

Reward Points Reward Rate: 4 EDGE REWARD Points for every ₹200 spent on eligible transactions; Reward Value: ₹0.20 per point according to published third-party valuation; confirm applicable redemption options; Reward Expiry: Unredeemed points may be forfeited after card closure or prolonged overdue status, subject to the bank terms

Cashback No general cashback rate confirmed; the card primarily offers reward points and partner discounts

Redemption Reward Redemption Options: Redemption through the EDGE REWARDS catalogue; Redemption Fee: Applicable charges may apply to reward redemption and points transfers

Milestone Rewards Milestone Benefit: 1,000 EDGE REWARD Points on ₹1.5 lakh of eligible annual spending during the card anniversary year; Milestone Qualification: Spending is reviewed 60 days after the card anniversary date; eligible points are credited automatically within 90 days

Travel Benefits

Airport Lounge Domestic Airport Lounge: One complimentary visit per calendar quarter to participating domestic airport lounges; Lounge Spend Condition: ₹50,000 in eligible spending during the preceding three calendar months; new-card exceptions apply

Travel Offers Flight Discount: 7% off eligible Cleartrip domestic and international flight bookings, up to ₹2,000; Hotel Discount: 18% off eligible Cleartrip hotel bookings, up to ₹4,000

Forex Benefits International Offers: Cleartrip discounts are available on eligible international flight bookings; foreign currency transactions incur applicable fees

Shopping Benefits

Brand Offers Wednesday Offers: Periodic Wednesday discounts, including selected shopping and travel offers; Tira Offer: 10% discount, up to ₹1,000, under the advertised Wednesday offer; offer eligibility and validity apply

EMI Offers Merchant EMI: Eligible purchases can be converted into EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% on eligible fuel transactions in India; Eligible Transaction Amount: ₹400–₹4,000 per fuel transaction; Maximum Fuel Benefit: Up to ₹400 per statement cycle; GST charged on the fuel surcharge is not refundable

Fuel Rewards Fuel transactions do not earn EDGE REWARD Points

Dining & Entertainment

Dining Dining Discount: Access to the Axis Bank Dining Delights programme at participating restaurants; Swiggy Discount: ₹120 off eligible food orders of ₹500 or more; Swiggy Discount Limit: Up to two redemptions per month per Swiggy user ID; Swiggy Offer Coupon: AXIS120; Swiggy discount excludes Haldiram's restaurants across India

Movies Movie Ticket Offer: 100% discount on the second eligible movie ticket booked through District; Movie Discount Limit: Up to ₹200 per month; Movie Offer Coupon: AXIS200; Movie transactions do not earn EDGE REWARD Points

Entertainment OTT Benefits: Complimentary SonyLIV Premium annual subscription valued at ₹1,499, subject to applicable welcome-offer conditions; SonyLIV Activation Condition: First purchase within 30 days of card issuance, subject to offer eligibility; annual-spending-based SonyLIV renewal benefit discontinued from 1 April 2026

Lifestyle Benefits

Luxury Services Lifestyle Offers: Selected merchant and entertainment offers are available under the card promotional programmes

Insurance & Protection

Card Security Card Security: EMV chip and PIN security features

Digital Features

Payments Contactless Payment: EMV chip-based card with contactless payment functionality, where enabled

Banking Features Transaction Alerts: Mobile transaction alerts are listed as free

Add-on Features

Family Benefits Add-on Card Joining Fee: Nil; Add-on Card Annual Fee: Nil

EMI Features EMI Conversion: Transactions above ₹1,500 may be converted into EMI by contacting the bank; applicable EMI terms and charges apply

Fees & Charges

Joining Charges Joining Fee: ₹500

Annual Charges Annual Fee: ₹500

Finance Charges Interest Rate: 3.75% per month (55.55% per annum); Late Payment Fee: ₹0 for dues below ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 above ₹10,000

Cash Advance Charges Cash Withdrawal Fee: 2.5% of the amount withdrawn, minimum ₹500

Forex Charges Forex Markup Fee: 3.50% of the transaction value; Dynamic Currency Conversion Charges: 3.5% of the transaction amount

Other Charges Card Replacement Fee: Nil; Overlimit Fee: 2.5% of the overlimit amount, minimum ₹500; Reward Redemption Fee: Applicable as per current reward redemption terms; Cash Payment Fee: ₹175; Duplicate Statement Fee: Waived; Charge Slip Retrieval Fee: Waived; Outstation Cheque Fee: Waived; Auto-debit Reversal / Cheque Dishonour Fee: 2% of the payment amount, minimum ₹500; Rent Transaction Fee: 1% of the transaction amount; Education Transaction Fee: 1% on education payments made through third-party apps; Wallet Load Transaction Fee: 1% when cumulative wallet loads reach ₹10,000 or more in a statement cycle; Utility Transaction Fee: 1% when eligible utility spends reach ₹25,000 or more in a statement cycle; Fuel Transaction Fee: 1% when cumulative fuel transactions reach ₹50,000 or more in a statement cycle

Performance & Ratings

Best Usage Best For: Movie offers, food delivery discounts, entry-level rewards and occasional domestic airport lounge visits

Advantages Low stated joining and annual fees; partner discounts; milestone reward points; domestic lounge access subject to spending; fuel surcharge waiver

Limitations Lounge access requires eligible spending; several transaction types earn no reward points; foreign currency markup applies; promotional offers have limits and eligibility conditions