Axis Bank My Zone Credit Card
Axis Bank
A lifestyle-discount card more than a rewards-earning one — value comes from the bundled subscriptions.
₹500
Joining fee
₹500
Annual fee
None found — Schedule of Charges lists no spend-based waiver for this card.
3.5%
Forex markup
3.9 / 5
Rating
Eligibility
Estimated minimum income: ₹45,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 680+
Estimated — not officially confirmed by the bank.
Does not require an existing Axis Bank savings/current account (aggregator-sourced); income not officially disclosed; aggregator suggests informal preference for CIBIL 750+, not an official minimum.
Lounge access
4 domestic visits per year
Key features
- Free Sony LIV Premium for 1 year
- ₹120 off Swiggy twice/month
- 4 domestic lounge visits/year
Reward details
4 EDGE Reward Points per Rs 200 spent (aggregator-sourced; ~Rs 0.20/point redemption value, roughly 0.4% effective return)
- Rs 1.5 lakh annual spend: 1,000 points
Redemption
EDGE Rewards catalogue (vouchers/merchandise).
Excluded from rewards: movies, fuel, rent, insurance, utilities, jewellery, education, government institutions, wallet loads, EMI transactions
- Rs 120 off Swiggy orders (twice monthly, min. Rs 500 order).
- Up to Rs 1,000 off on Ajio (min. Rs 2,999 order).
- District-by-Zomato movie offer: 100% off up to Rs 200 on a second ticket, monthly.
- Complimentary SonyLIV Premium subscription (aggregator-cited value ~Rs 1,499).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- Reward earning potential is quite limited — no accelerated spend categories, practical value comes mainly from bundled brand discounts rather than points accumulation — Paisabazaar
Sources
- Official — fees
- Official — product listing
- Aggregator — eligibility, rewards, sentiment