My Zone Credit Card Axis Bank Review – Charges, benefits, eligibility

Axis Bank My Zone Credit Card Review
My Zone Credit Card

Name: Axis Bank My Zone Credit Card

Description: The My zone reward points entry-level credit card issued by Axis Bank. it is a Edge rewards based card. it is overall a decent features card for Everyday lifestyle spending by individuals.

3.6 of 5 stars 1 review
  • Fee
  • Rewards
  • Cashback
  • Lifestyle
  • Features


My Zone Credit Card is the overall decent performance entry-level card issued by Axis bank. it offers a free 1-year subscription, Free Lounge Access, Easy EMI Options. Above All, Great Deals on Entertainment. These Several Features are decent reasons to choose my zone card.

User Review
  • Fee
  • Rewards
  • Cashback
  • Lifestyle
  • Features
Comments Rating 0 (0 reviews)


  • Free lounge access
  • Good For Entertaiment
  • Decent Discount on Foods
  • Customer Support is Decent
  • 1 Year Subscription of SonyLIV 


  • High-interest rate
  • Rewards are average compared to competitive cards

What is Axis Bank My Zone Credit Card? For daily lifestyle and entertainment, axis bank-issued My Zone entry-level credit card for individuals. It comes with several benefits.

The card offers cash back in form of edge reward points. moreover, it offers a discount on Film tickets and Food Delivery.

You can earn 4 EDGE Reward points for every spend of rupee ₹200. The Reward points can redeem by purchasing several products and gift vouchers that are available on the reward store of the axis bank website.

To Redeem and Choose Your Product or Gift Voucher, You Can Go to the – REWARDS STORE OF THE AXIS BANK.

My Zone Credit Card Axis Bank Charges (Fee)

Charges listDetail (Description)
Joining Fee– Decent Amount of ₹500
– If you spend ₹5000 within the first 45 days your joining fee of ₹500 will waive off.
Annual Charges– For the first year, the credit card is offered free of charge.
– ₹500 fees: 2 Year (Charges Applied From Next Year)
Card Add-on FeeThere is no annual and Joining Fee required
(Interest) Finance Fee– Monthly 3.4%
– Annum 49.36%
Withdraw Charges – For a Minimum ₹500
– The percent of 2.5 charges applicable
Late Payments ChargesMinimum under of ₹300, Not Charges are applicable
Amount Up to ₹300 overdue payment fee are necessary,
– Between ₹101 to ₹500 amount – Fee ₹100
– Between ₹501 to ₹5,000 – charge around ₹500
– in the middle of ₹5,001 to ₹10,000 – Fee is the ₹500
– Payment due is between ₹10,001 to ₹25,000, – Fee is ₹750 
– Between ₹25,001 to ₹50,000 – Fee is ₹1000
– Above Up to ₹50,000 Amount – Charges are 1000
First Year BenefitsAround worth ₹15719 annual benefits by card
Welcome Benefits– A Completely No of Cost 1 Lounge Access
– Free 1 Year Premium membership of SONYLIV

The Benefits or Features of My Zone Credit Card

It comes with an embedded EMV Chip for more security from duplication and Fraud. My zone card offers a direct 40% Off on ordering food via Swiggy Food Service. Moreover, it provides one complimentary lounge access on a quarterly basis across the airport lounges in India.

the card was made mainly for entertainment purposes. for instance, it offers a 1-year premium subscription to SonyLIV For Fulfill the entertainment desires
SonyLive offers Web Series, TV Shows, Movies, And Much More Entertainment Content.
In Addition, It offers 100% direct Off on booking second movie tickets through Paytm Movies.

For movie watchers, it is a good option for getting discounts through every booking.

Reward points or Cash Backs

With the card, a cardholder can earn edge reward points on every purchase anywhere.

EDGE Rewards Point Offer– It provides 4 EDGE Reward Points on any purchase of Rs.200
– It offers a 2% rewards rate, Quite a Good Rate Compared to Other similar cards.

You can easily redeem all the earned EDGE Reward Points on the Rewards Store of The official site of Axis Bank. All you need to do is –

  1. Open the Reward Store Page on AXIS Bank Site.
  2. Select preferred product or voucher to redeem points.
  3. Now Click on Pay With EDGE Reward Points.
  4. Pop up for login window will appear, log in it or if you new user, click on register for create a net banking account
  5. Complete the process to redeem the points
  6. The preferred product will be delivered to your doorstep or if you select a voucher, then you can extract it through the particular site of your gift voucher.

To get Discount from Swiggy

The card offers a 40% discount on ordering Your breakfast, lunch, dinner food through Swiggy App. To get the discount All you need to Do is –

Coupon Code To EnterYou have to Type “AXIS40” code For 40% OFF
Maximum Offersit provides a maximum discount of ₹120 per food order

However, its discount works when you order food more than ₹200. The discount is only accessible more than 4 times a month.

My zone credit card comes with several additional advantages –

For TravelIt offers 1 free airport lounge access across India.
Food Offers – It comes with a direct 40% discount on ordering food through the swiggy app.
– you can get a 20% discount on dining delight offer through axis bank partner restaurants in India.
For Streamingit offers a one-year free premium annual subscription to Sony Liv
Movies offersThe credit card offers a 100% discount on the second booking of movie tickets through the Paytm app.
For ShoppingOn the spending of a minimum amount of ₹2000, You will get a direct ₹600 discount on shopping through AJIO.
Fuel Discountyou will get a 1% Waiver on refueling your vehicle through my zone credit card
EMIsAny spend that 2500 or above. you can exchange into EMIs Via Contact To Axis Bank
Other NetworksOnly For Mastercard applicants, The cardholder can get cash back or rewards through shopping from MasterCard shop perks

Let’s check eligibility for the credit card

To apply for this Edge rewards-based credit card, The individual cardholder has age must be in the middle of 18 to 70 years. in addition, you need to be a Non-Resident or resident of India.

According to the conditions of Axis Bank, The Add-on card member has age must be 15 years or above.

as I have already said, it is an entry-level card. therefore, it is available for both salaried and self-employed applicants.

For Salaried Applicantit is accessible for salaried individuals who have a salary of ₹15,000 or More.
For Self-Employed Applicant,it is available for a self-employed applicant who has a salary of ₹25,000 or More.

Additionally, there are several criteria are required to be eligible for the card.

Credit ScoreAt Least have more than 700 cibil scores Is Required
PaystubIncome Statement, Payslip, Income Tax Return Copy
Additional– Stable Monthly Fixed Income
– Colour photos
– Form 16 and Form 60 (Optional)

The additional Necessary Documents are required

My Zone Credit Card VS Flipkart Credit Card

My zone Credit Card vs Flipkart Axis Bank Credit Card
Difference BetweenAxis Bank My Zone Credit CardAxis Bank Flipkart Credit Card
Welcome Benefits– 1 Year Free Premium Subscription To Sony LIV
– 100% Discount on Second Movies Tickets
– Around ₹1,100 Benefits
– More than ₹500 Flipkart Vouchers
Joining Fee – ₹500 Are applicable– ₹ 500 Are applicable (it free at some new offers by Flipkart)
Annual Fee– ₹500 Fee– ₹500 Fee
– If You do purchase more than 2 Lakh in a year then no annual charges will be applied
Lounge Access– 1 Free Airport lounge Access (quarter)– 4 Free Airport lounge Access
Eligibility– For Salaried And Self Employed (Both Can Apply)– It is accessible For Both Individuals (Salaried Person or Self Employed)
Fuel offers– 1% Waiver on refueling– 1 Percent Waiver on Supercharge all Fuel
Cibil Score required– Above 700 to 750 Score– Credit Score More than 700 to 750 Are required

Check out Alternative Entry Level Credit Card Blogs –

Answered: How To Get Axis Bank My Zone Credit Card or You Can Apply

To Apply the application for a credit card, you can browse the axis bank official website. You can follow below step by step process to apply for this EDGE Reward Point Credit Card –

  1. Firstly, You have to open the Axis Bank official website through any internet browser.
  2. Now, you have to tap on Credit Cards In the tab of cards in the Explore Products button of the header menu.
  3. Find And Tap on Axis Bank My Zone Credit Card, Then Click on the Apply Now Button.
  4. Now, Tap on Yes if you have savings or a current bank account on Axis Bank. or Click No, If you are new with axis bank.
  5. when the application page appeared, then Enter All the asked information that is required to continue to the next page of the process.
    • You have to type the basis info for instance, The mobile number, Email, PAN Card, DOB(Date of Birth).
  6. You have to type the income or occupation related information
  7. Provides all the personal information that are required
  8. Complete the KYC
  9. All set, you have to recheck the application and Tap on Submit Button.
  10. Card will delivered to your registered address.

In Conclusion For Axis Bank My Zone Credit Card

in conclusion, the Applicant who wants a decent credit card that offers decent EDGE Rewards Points, And Want Multiple Discounts on Movies And Entertainment Streaming. Above All, That card performs an overall good performance on daily lifestyle expenses.

For decent online shopping and Entertainment Purposes, my zone credit card could be a better option with a decent annual charge.

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