Axis My Zone Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
4 visits/yr
Contents
Apply for Axis My Zone Credit Card
Processing time: 5-7 business days | Instant approval available
Axis My Zone Credit Card is designed for urban lifestyles, offering unbeatable value on food deliveries, movie tickets, and online shopping. Unlock exclusive rewards, free airport lounge access, and instant discounts on Swiggy and AJIO. Enjoy maximum benefits on your everyday spends and exclusive entertainment perks, all backed by advanced security and seamless mobile wallet support for effortless transactions.
Features of Axis My Zone Credit Card which makes it unique
Easy EMI Conversion
Convert purchases over ₹1,500 to EMI
Flexible payments
Simple and instant conversion
Rewards Structure of Axis My Zone Credit Card
Dining
acceleratedAll other retail purchases (non-fuel)
Accelerated rewards on dining spends: Dining spends earn accelerated reward points at the rate of 4 points per ₹200. This reward rate applies to eligible restaurant transactions and helps maximise value for users who frequently dine out. Rewards are credited as EDGE Reward Points and can be redeemed against vouchers, travel bookings, or partner rewards as per Axis Bank redemption rules. Fuel spends and excluded merchant categories do not earn rewards.
Milestones of Axis My Zone Credit Card
Quarterly EDGE Reward Bonus
₹30,000 per quarter : 2,500 bonus EDGE points
Easy quarterly spend milestone with bonus rewards: Spend ₹30,000 or more in a quarter to earn 2,500 bonus EDGE Reward Points. This milestone is achievable through regular monthly usage and adds extra value on top of base rewards. Eligible spends are calculated quarterly as per Axis Bank’s milestone cycle, and bonus points are credited after the quarter ends, subject to bank terms and exclusions.
Fees & Charges of Axis My Zone Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0%if Total Payment Due is less than 500 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50%(Min. ₹500) of the cash amount |
Renewal Conditions:Waived for lifetime via select channels.
Fee Explanation Standard Axis Bank rates and government taxes apply.
Detailed Explanation of Axis My Zone Credit Card Fees
Annual Fee: 500 (yearly)
Waived for lifetime with select applications
Lifetime Free Offer: Although the listed annual fee is ₹500, this card is often issued as lifetime free under select campaigns or application channels. Always check the fee status mentioned in your approval communication before activating the card.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500
Cash withdrawals are expensive and accrue interest immediately: Cash advances on the Axis My Zone Credit Card attract a 2.5% fee per transaction (minimum ₹500). In addition to this fee, interest is charged from the transaction date itself, with no interest-free period. Cash withdrawals also do not earn reward points, making them one of the costliest ways to use this card. It’s best to avoid cash advances unless absolutely necessary.
Late Payment Fee: ₹500 – ₹1,200 (based on total payment due) (Monthly)
Applicable if minimum amount due is not paid by the due date
Late Payment Charges: Late payment fee is charged based on the total payment due: Nil if Total Payment Due is less than 500 500 if total payment due is between 501-5,000 750 if total payment due is between 5,001-10,000 1200 if total payment due is greater than 10,000
Lounge Access Benefits with Axis My Zone Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Quarterly visit with minimum ₹50,000 spend in previous 3 months
Spend-based domestic lounge access: The Axis My Zone Credit Card offers 4 domestic airport lounge visits per year under the Silver tier. Each quarterly lounge visit is unlocked only if you spend at least ₹50,000 in the previous 3 months. If the spend condition is not met, lounge access for that quarter will not be available. Guest access may be allowed as per lounge rules and Axis Bank terms.
Additional Features of Axis My Zone Credit Card
Sony LIV Premium
1-Year subscription as joining benefit
Complimentary Sony LIV Premium subscription: Get a 1-year Sony LIV Premium subscription as a joining benefit with the Axis My Zone Credit Card. The subscription is typically activated via a voucher or activation link, subject to Axis Bank’s eligibility criteria and timelines. This benefit is usually available only once per card and may not renew automatically after the first year.
Contactless Payments
Tap and pay enabled
Fast and secure tap-and-pay transactions: The Axis My Zone Credit Card supports contactless (tap-and-pay) payments, allowing quick transactions at compatible terminals without inserting the card. Payments below the RBI-mandated limit can be completed without entering a PIN, making everyday spends faster and more convenient. Higher-value transactions will still require PIN authentication for security.
Add-on Cards
Unlimited add-on cards
Share your credit limit with family members: The Axis My Zone Credit Card allows multiple add-on cards for family members at no additional cost. All add-on cards share the primary cardholder’s credit limit, and transactions made on add-on cards are billed to the primary account. Spending on add-on cards also contributes towards reward earnings and milestone benefits.
Welcome Bonus with Axis My Zone Credit Card
Welcome Bonus: Free Sony LIV Premium subscription
Bonus Conditions: Subscription on first card transaction within 30 days.
Application Process for Axis My Zone Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Axis Bank portal
Quick online application process: Visit the official Axis Bank credit card page, select the My Zone Credit Card, and fill in your basic personal, employment, and income details. Make sure your mobile number is linked to Aadhaar, as OTP verification is required during the application
Upload KYC documents
Digital KYC with minimal paperwork: Upload your PAN and Aadhaar details as part of the KYC process. Depending on your profile, Axis Bank may also ask for income proof such as salary slips or bank statements. Most users can complete this step fully online.
Receive verification call
Final verification before approval: After submitting your application, you may receive a verification call from Axis Bank to confirm your details. In some cases, a video KYC or address verification may be required. Once verification is complete, approval status and card dispatch details are shared via SMS or email.
Card dispatched within 7 days
Fast card delivery after approval: Once your application is approved and all verifications are completed, the Axis My Zone Credit Card is usually dispatched within 7 working days. Delivery timelines may vary based on your city and courier availability. Tracking details are typically shared via SMS or email.
Required Documents for Axis My Zone Credit Card
ID Proof
allAccepted documents:
Basic identity verification: Applicants must submit a valid PAN card for credit card issuance. Aadhaar is commonly used for address verification and digital KYC. Additional documents may be requested by Axis Bank depending on the applicant’s profile and verification requirements.
Address Proof
allAccepted documents:
Residential address verification: Applicants must provide a valid address proof to verify their current residential address. Accepted documents typically include Aadhaar card, passport, voter ID, driving licence, or a recent utility bill/bank statement as per Axis Bank guidelines. The address on the document should match the application details for smooth verification.
Income Proof
salariedAccepted documents:
Proof of income for credit assessment: Applicants may be required to submit income proof to assess repayment capacity. Accepted documents typically include: Salaried applicants: Latest salary slips (last 2–3 months) or recent bank statements showing salary credit Self-employed applicants: Income Tax Returns (ITR), business financials, or recent bank statements Axis Bank may request additional documents based on the applicant’s profile, employer type, or credit history.
Axis My Zone Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis My Zone Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹180,000
Minimum annual income
Self-Employed Applicants
₹216,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required.
How Approval Is Decided
- Minimum monthly income as per card variant
- Indian resident
- Credit score above 700
Pros of Axis My Zone Credit Card
- Exciting entertainment and dining rewardsDesigned for movies, dining, and lifestyle spends: The Axis My Zone Credit Card is best known for its entertainment and dining-focused benefits, including accelerated rewards and partner offers. It suits users who frequently spend on food, movies, and lifestyle experiences rather than pure cashback optimisation.
- Contactless and secure mobile paymentsFast, modern, and secure transactions: The card supports contactless (tap-and-pay) transactions and can be linked with mobile wallets for secure digital payments. This makes everyday transactions faster while maintaining RBI-mandated security controls.
- Unlimited add-on cardsEasy spend management for family members: You can issue multiple add-on cards for family members without extra charges. All spends are consolidated under one statement, making tracking and managing household expenses simpler.
Cons of Axis My Zone Credit Card
- Limited reward rate on non-partner merchantsNot ideal for flat reward seekers: Reward earnings are relatively low on non-partner and regular retail spends. Users looking for high flat cashback or strong rewards across all categories may find better value in other cards.
- Annual fee payable unless lifetime waiver availableFee justification depends on usage: The card comes with an annual fee, which may feel high if you don’t actively use its entertainment and dining benefits. The card makes the most sense only if the rewards and offers outweigh the yearly cost or if you receive a lifetime free variant.
Frequently Asked Questions about Axis My Zone Credit Card
How to get free airport lounge access?
Spend ₹50,000 in previous 3 months for one complimentary visit per quarter.
To get complimentary domestic airport lounge access, you must spend ₹50,000 or more in the previous 3 months. On meeting this condition, you are eligible for one free lounge visit in the following quarter. Lounge access is subject to participating lounges and Axis Bank’s eligibility checks at the time of swipe.What is the base reward rate?
Earn 4 EDGE points per ₹200 spent except fuel, EMI, movies.
The Axis My Zone Credit Card earns 4 EDGE Reward Points for every ₹200 spent on eligible retail transactions. Fuel, EMI conversions, movie ticket spends, wallet loads, and other excluded categories do not earn base reward points. Final eligibility of spends is determined by Axis Bank based on merchant category codes.How to get movie ticket discount?
Get Buy 1 Get 1 offer every month up to ₹200 via District app.
The Axis My Zone Credit Card offers a Buy 1 Get 1 (B1G1) movie ticket offer every month, with a maximum discount of ₹200 per month, redeemable via the District app. The offer is subject to ticket availability, partner theatres, and Axis Bank’s monthly limits. Convenience fees and add-ons may not be covered under the discount.Which mobile wallets does the card support?
Supports Google Pay, PhonePe, Paytm, Amazon Pay.
The Axis My Zone Credit Card can be linked to Google Pay, PhonePe, Paytm, and Amazon Pay for secure digital and contactless payments. Availability may depend on device compatibility and wallet-specific policies. Wallet transactions are subject to Axis Bank and RBI guidelines.Is there a joining fee?
Yes, ₹500, and lifetime free on select channels.
The Axis My Zone Credit Card typically has a ₹500 joining fee, but it is often offered as lifetime free through select online offers, employer tie-ups, or promotional campaigns. Fee structure may vary based on the application source, so it’s recommended to check the final fee details before submitting the application.What is the welcome reward?
Free annual Sony LIV Premium subscription on first card spend.
New cardholders receive a complimentary 1-year Sony LIV Premium subscription as a welcome benefit. This benefit is typically unlocked after the first eligible card transaction and is provided via a voucher or activation link. The offer is subject to Axis Bank’s terms and may vary based on the application channel or ongoing promotions.Add Your Review
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