Card Benefits
Key benefits available with this card.
4 EDGE Reward Points per ₹200
Earn 4 Axis EDGE Reward Points for every ₹200 spent on eligible transactions.
1,000 EDGE Points Milestone
Earn 1,000 EDGE REWARD Points on achieving ₹1.5 lakh of eligible spending during the card anniversary year.
Domestic Airport Lounge Access
Get 1 complimentary domestic airport lounge visit per calendar quarter after meeting the required ₹50,000 eligible spending condition in the preceding 3 months.
25% Movie Cashback
Get 25% cashback on eligible movie-ticket purchases on Paytm, capped at ₹100 per calendar month and ₹1,200 per calendar year.
Swiggy Discount
Get a flat ₹120 discount on eligible Swiggy food-delivery transactions, subject to the applicable offer terms and frequency limits.
AJIO Offer
Get up to ₹1,000 off on eligible AJIO transactions with minimum spend of ₹2,999, subject to current offer terms.
District Movie Offer
Get Buy One Get One movie-ticket benefits through the District app with the applicable maximum discount/offer cap.
SonyLIV Premium
Current Axis Bank product material lists a SonyLIV Premium 1-year subscription as a card benefit. The previous annual renewal benefit was discontinued from 1 April 2026.
Fuel Surcharge Waiver
Get 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, subject to the applicable maximum benefit.
Contactless Payments
Use contactless payment functionality at supported merchant terminals.
EMI Conversion
Eligible purchases can be converted into EMI subject to Axis Bank eligibility and applicable EMI terms.
Dining Offers
Access applicable Axis Bank dining offers and partner discounts, subject to the current Dining Delights programme and participating restaurant terms.
Low Annual Fee
Annual fee of ₹500 from the second year onwards makes the card a relatively low-cost lifestyle credit card.
Multiple Lifestyle Offers
The MY ZONE proposition combines movie, food-delivery, shopping, dining and travel-related benefits.
Welcome / Free Offer
No separate points-based welcome bonus is established in the current MY ZONE product information. Current card proposition includes lifestyle offers such as SonyLIV Premium 1-year subscription, Swiggy discount, AJIO offer and District movie offer, subject to applicable offer terms.
Eligibility: Applicable cardholders subject to individual offer eligibility and activation requirements.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Other Eligible Spends | 2.0000 points / ₹100 | Earn 4 EDGE Reward Points per ₹200 on eligible transactions. |
| Movie Transactions | 0.0000 points / ₹100 | 25% cashback on eligible movie-ticket transactions on Paytm. Cashback capped at ₹100 per calendar month and ₹1,200 per calendar year. Movie transactions do not earn EDGE Reward Points. |
| Annual Milestone | 0.0000 points / ₹100 | 1,000 EDGE Reward Points on ₹1.5 lakh eligible card anniversary-year spend. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| EDGE REWARDS Catalogue | ₹0.2 | Redeem EDGE Reward Points through eligible Axis EDGE REWARDS catalogue options. Redemption value depends on the selected redemption option. |
| Voucher / Merchandise | ₹0.2 | Redeem points for eligible catalogue vouchers, merchandise or other available rewards according to the current EDGE REWARDS catalogue. |
| Cashback / Statement Value | ₹0.2 | Where the applicable EDGE REWARDS redemption option permits statement/cashback value, redemption is subject to current Axis Bank catalogue terms. |
Airport Lounge Access
Domestic Airport Lounge
1 visits Calendar Quarter · Domestic
1 complimentary domestic airport lounge visit per calendar quarter after achieving ₹50,000 eligible spending during the preceding 3 months. Up to 4 visits may therefore be available in a calendar year if all quarterly eligibility conditions are met.
Insurance & Protection
Included
Condition: Not established from current MY ZONE product information reviewed.
Fuel Surcharge Waiver
Current Offers & Promotions
₹1.5 Lakh Annual Spend Milestone
Active1,000 EDGE REWARD Points
Maximum benefit: 1000.00
From 1 April 2026, cardholders become eligible for 1,000 EDGE REWARD Points on achieving ₹1.5 lakh eligible spending during the card anniversary year. Movie, fuel, insurance, utility, rent, wallet, jewellery, education and government institution spends are excluded from the milestone calculation.
Paytm Movie Cashback
Active25% cashback
Maximum benefit: 100.00
25% cashback on eligible movie-ticket purchases on Paytm. Maximum cashback is ₹100 per calendar month and ₹1,200 per calendar year. Movie transactions do not earn EDGE Reward Points.
Swiggy Discount
Active₹120 off
Maximum benefit: 120.00
Flat ₹120 discount on eligible Swiggy food-delivery transactions, subject to current Axis Bank offer terms and applicable frequency/minimum-spend conditions.
AJIO Offer
ActiveUp to ₹1,000 off
Maximum benefit: 1000.00
Up to ₹1,000 discount on eligible AJIO transactions with minimum spend of ₹2,999, subject to current campaign terms.
District Movie Offer
ActiveBuy One Get One
Maximum benefit: 200.00
Buy One Get One movie-ticket offer through District, with applicable maximum discount and frequency restrictions.
SonyLIV Premium
Active / Issuance dependent1 Year SonyLIV Premium
Maximum benefit: 999.00
SonyLIV Premium benefit is listed in Axis Bank MY ZONE product material. The previous annual renewal benefit was discontinued from 1 April 2026.
Eligibility Criteria
+ yrs
Salaried and Self-employed
—
—
+
Not specified
Additional Eligibility Details
Important Eligibility Information
Eligibility is assessed by Axis Bank based on applicant profile, age, residency, income, credit history and internal underwriting criteria. Final approval is at the sole discretion of Axis Bank.
Income: Axis Bank does not publish a single universal minimum income figure for MY ZONE in the current product information reviewed.
Employment: Salaried and self-employed applicants may apply subject to Axis Bank internal eligibility criteria.
Credit Score: No fixed minimum credit score is officially stated for MY ZONE. Approval depends on Axis Bank internal credit assessment.
Documents Needed
Fees & Charges
₹999
Current offer: ₹500
₹500 + GST
Standard annual fee: ₹999
Pros
₹500 joining fee with possible joining-fee waiver; ₹500 annual fee; 4 EDGE Reward Points per ₹200; 1,000 EDGE points on ₹1.5 lakh anniversary-year eligible spend; quarterly domestic lounge access after required spend; 25% movie cashback on Paytm up to ₹100/month; Swiggy discount; AJIO offer; District movie offer; fuel surcharge waiver; contactless payments.
Cons
Low effective reward value when redeemed at ₹0.20 per point; many reward exclusions; lounge access requires ₹50,000 eligible spend in preceding 3 months; no standard annual fee waiver; ₹500 annual fee; reward programme is weaker than dedicated premium rewards cards.