Axis Bank My Zone Credit Card offers rewards in the categories of shopping, dining, and entertainment. With this card, you can get decent discounts on famous websites like AJIO and Swiggy, as well as free airport lounge access and a free annual membership to SonyLiv. There are only a few lifetime-free credit cards that provide benefits in so many areas. Continue reading to learn more about this card and whether it is a good fit for you.
Key Highlights of Axis Bank My Zone Credit Card
| Type | Entry-Level Credit Card |
| Reward Rate | 0.4% |
| Annual Fee | |
| Best for | Dining & movie benefits |
| USP | Swiggy offer (40% discount) |
While the Axis My Zone Credit Card is positioned as an “Entry-level credit card”, I would call it as a “Dining Credit Card” for the delicious discount that the card comes with, more on that shortly.
Axis Bank My Zone Credit Card: Features & Benefits
Axis Bank My Zone Credit Card offers benefits on top brands, such as Paytm Movies, Swiggy and Ajio. Additionally, this credit card also provides complimentary annual SonyLiv membership. Below mentioned are the major Axis Bank My Zone Credit Card benefits:
Rewards
- 4 RP’s for every 200 INR spend (Reward Rate = 0.40%)
- 1 RP = 0.20 INR on edge rewards portal
- No rewards on movie, fuel & EMI
This credit card is not for you if you’re looking for handsome rewards on ongoing spends. If you’ve high ongoing monthly spends and still don’t wish to pay any fees for credit card, you should instead explore Axis Ace Credit Card.
Movie Offer
- Offer: Buy one Get one (valid on movies only)
- Max. Cap: Upto Rs.200 off on 2nd ticket
- Monthly limit: 1 per month
Paytm movie offer is a pretty good one indeed if you watch movies in theatres that costs ~200 INR a ticket. But remember that not all theatres are listed under Paytm.
40% off on Swiggy
With this credit card, you can get 40% off on food delivery at Swiggy. Below mentioned are the offer details:
- The maximum discount is capped at Rs. 120 per order
- The offer is applicable on a minimum spend of Rs. 200
- Use coupon code “AXIS40” to avail the discount
- You can avail the discount up to 4 times a month
Free SonyLiv 1 Year Subscription
With this card, you will get complimentary SonyLiv Premium annual subscription worth Rs. 999 on your first spend within the first 30 days of card issuance. The eligible customers will receive the voucher code via SMS on their registered mobile numbers. You are also eligible for the SonyLiv Premium membership renewal on spending Rs. 1.5 lakh in a card anniversary year.
Flat Rs. 600 off at Ajio
You will get a flat Rs. 600 off at AJio on a minimum spend of Rs. 2,000. Use coupon code “AXISMYZONE” to avail the discount. Also, this offer is applicable on selected styles only.
Airport Lounge Access
Domestic Airport Lounges with Visa / Mastercard once per quarter , While it’s good to see that we’re having complimentary airport lounge access with the card, do note that only lounges in Indian metro cities are part of the program for this credit card.
Other Benefits of Axis Bank My Zone Credit Card
Following are the additional Axis Bank My Zone Credit Card benefits:
- 1 complimentary access to select airport lounges within India per calendar quarter
- 1% fuel surcharge waiver (Max. Rs. 400 per statement cycle) on fuel transactions between Rs. 400 and Rs. 4,000
- Convert your transactions of Rs. 2,500 and above into EMIs
- Up to 20% off at partner restaurants in India under the ‘Dining Delights’ program.
Axis Bank My Zone Credit Card: Fees & Charges
The fees and charges applicable to Axis Bank My Zone Credit Card are mentioned below:
| Type of Fee/ Charge | Amount |
| Joining Fee | Nil* |
| Annual/ Renewal Fee | Nil* |
| Finance Charges | 3.6% p.m. (52.86% p.a.) |
| Late Payment Fee | For Outstanding Amount-Less than Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200 |
Read about Why We Love Review Of Flipkart Axis Bank credit card, Axis Bank Ace Credit Card Review: Is It Worth It?
ELIGIBILITY CRITERIA
- Employment status: Salaried or Self-Employed
- Income: Rs 15,000 per month (Salaried), Rs 30,000 per month (self-employed)
- Required Age: 21-65 years
Documents Needed
- PAN Card/Form 60
- Colour photograph
- Address proof
- ID Proof
- Income proof
How to Avail the Life Time Offer
Just apply here with Life Time free offer Apply Now
- User will be redirected to BankKaro
- Click Login/Join Now and do OTP verification
- Select Axis Bank My Zone Card and provide the required details
- Application will be submitted and a confirmation SMS will be sent on approval of the application
Conclusion
Apart from the average benefits on movies and online shopping, the card does not have anything more to offer. However, we could say that this Axis Bank credit card can still be kept as it entails a low annual fee. This is an entry-level card and would be best suited for those who: Go to the movies frequently , Wants to earn reward benefits on regular purchases