Lifestyle starter card featuring Buy 1 Get 1 movie tickets, flat Swiggy discounts, and SonyLIV Premium.
College Students, Young Professionals, Moviegoers & Weekend Dining Enthusiasts
₹500
One-time upfront₹500
Waived on ₹2 lakh annual spend4 EDGE Points per Rs 200 spent
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank MY ZONE Credit Card is a quintessential entry-level lifestyle card crafted for first-time credit cardholders, college graduates, and young urban professionals. With an accessible ₹500 annual fee (frequently offered as Lifetime Free during festive bank campaigns), its value proposition rests squarely on its tangible weekend entertainment and food delivery perks. Cardholders enjoy a Buy One Get One (BOGO) movie discount on District/Paytm Movies of up to ₹200 off per calendar month using promo code 'AXIS200'. On dining, the card offers a flat ₹120 discount on Swiggy orders of ₹500 or more twice every month using promo code 'AXIS120'—unlocking up to ₹240 in monthly savings (₹2,880 annually), which easily outstrips the card fee. Cardholders also receive a complimentary annual SonyLIV Premium subscription upon making their first retail spend within 30 days of card issuance. Travel benefits include 1 complimentary domestic airport lounge visit per calendar quarter, provided cardholders meet Axis Bank's spend criteria of ₹50,000 in the previous 3 calendar months. On the downside, its base reward rate is modest: cardholders earn 4 EDGE Rewards per ₹200 spent (a baseline return of 0.40% at 1 EDGE Reward = ₹0.20), and categories like fuel, rent, utilities, and wallet loads earn zero points. Who should consider it: Young earners and movie lovers who regularly order on Swiggy and book cinema tickets twice monthly. Who should look elsewhere: Spenders seeking high reward returns on general shopping or those who do not use Swiggy and Paytm Movies.
4 EDGE Points/₹200 (Reward Rate of 0.4%)
Free SonyLiv Subscription Worth ₹1,499
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| BookMyShow Movies | Buy 1 Get 1 Free on BookMyShow, max discount ₹120/ticket once per calendar month | No Cap | Standard terms apply |
| Swiggy Food Delivery | ₹120 off on Swiggy on min spend ₹500 (twice per month) | No Cap | Standard terms apply |
| General Retail Spends | 4 EDGE Rewards per ₹200 spent (1 ER = ₹0.20) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| BookMyShow Movies | ₹6,000 | Buy 1 Get 1 Free on BookMyShow, max discount ₹120/ticket once per calendar month | — | None | Calculating... | Under cap |
| Swiggy Food Delivery | ₹6,000 | ₹120 off on Swiggy on min spend ₹500 (twice per month) | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 4 EDGE Rewards per ₹200 spent (1 ER = ₹0.20) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹500 + GST joining fee and ₹500 + GST annual renewal fee. The renewal fee is reversed on spending ₹2,00,000 or more in the preceding membership year. Movie Benefits: Buy One Get One (100% off on second ticket) up to ₹200 discount per month on District/Paytm Movies using promo code 'AXIS200'. Dining Offers: Flat ₹120 discount on Swiggy on a minimum order value of ₹500, usable up to twice a month (maximum savings of ₹240/month) with promo code 'AXIS120'. OTT Entertainment: Complimentary annual SonyLIV Premium subscription renewal upon completing the first eligible card transaction within 30 days of card issuance. Rewards Accrual: 4 EDGE Reward Points per ₹200 spent on eligible retail purchases (0.40% return; 1 EDGE Reward = ₹0.20). Excludes fuel, wallet reloads, rent, utility payments, and government transactions. Domestic Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter, subject to a minimum eligible retail spend of ₹50,000 in the previous 3 calendar months. Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 across all petrol stations in India, capped at ₹400 per month.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank MY ZONE Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Apple Pay launched in India on September 30, 2026. Axis Bank-issued Visa and Mastercard credit cards are supported at launch. Here's how it works and which cards are eligible.
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