CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis MyZone Credit Card

22
Ranked #157 of 170 in credit
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Axis Bank's entry-level lifestyle card centered on partner brand discounts (SonyLIV, movies, Swiggy, Ajio, Cleartrip) rather than a strong rewards program, with low fee and spend-gated lounge access.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value2/100 · weight 71%
≈ 0.08% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, education, utilities, fuel, insurance. Reward score is scaled by ×(1 − 4.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency95/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks37/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: NIL first year; from 2nd year Rs 500 annual fee applies (no standard spend-based waiver found; some cards offered LTF via select channels/promos)
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.08%(0.4 pts @ ₹0.20)—4 EDGE points per Rs 200 spent; 1 point = Re 0.20

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelinsurancewallet loadrentutilitiesjewelleryeducationgovernmentemi

Welcome offer

Complimentary SonyLIV Premium annual membership worth Rs 1,499 on first spend within 30 days of card issuance

Milestone benefits

Pros

  • Free SonyLIV Premium membership
  • Buy 1 Get 1 movie ticket via District/BookMyShow (up to Rs 200/month)
  • Rs 120 off Swiggy orders (2x/month)
  • up to 15% dining discount via EazyDiner
  • Ajio and Cleartrip discounts
  • low fee

Cons

  • Very low base reward rate (0.4%, 4 EDGE pts/Rs 200 = Re 0.20/pt)
  • wide reward exclusion list (movies, fuel, rent, insurance, utilities, jewellery, education, government, wallet, EMI)
  • lounge access now spend-gated
  • discount-focused rather than a genuine rewards card

What's inside

More benefits

  • SonyLIV Premium Subscription

    ₹1,499

    SonyLIV Premium Annual Subscription worth ₹1,499 on the first transaction within 30 days of card issuance.

    one time.

  • BOGO Movie Tickets

    ₹200

    Buy One Get One movie ticket on District app.

    Cap ₹200 / monthly.

  • Cleartrip Discounts

    Up to 7% off on flights and 18% off on hotels via Cleartrip.

    one time.

  • Swiggy Flat Discount

    ₹120

    Flat ₹120 off on Swiggy on minimum spends of ₹500 (once per month)

    Cap ₹120 / monthly.

  • SonyLIV Premium membership

    ₹1,499

    Complimentary 1-year SonyLIV Premium subscription

    Cap ₹1,499 / yearly. On first spend within 30 days of card issuance

  • Movie ticket BOGO

    ₹200

    100% off second movie ticket via District by Zomato, coupon AXIS200

    Cap ₹2,400 / monthly. Max Rs 200/month, no reward points earned on this transaction

Insurance cover

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₹NaN

Eligibility

text
Age 21-65 (some sources say 18-70); salaried min income Rs 15,000/month, self-employed Rs 30,000/month; 700+ CIBIL recommended

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 4,000 transactions; no reward points earned on fuel