Axis Bank My Zone Credit Card
Axis Bank · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST |
| Welcome benefit | None |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | rent, wallet, fuel, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| Base EDGE points (4 per Rs.200) | 0.4% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Headline is a complimentary SonyLIV Premium subscription (first year) + a 1,000-point milestone; base reward rate is nominal.
4 domestic lounge visits/year (1/quarter after Rs.50,000 prior-quarter spend).
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the Axis Bank My Zone Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST) with no spend-based waiver.
What is the highest reward rate on the Axis Bank My Zone Credit Card?
0.4% — Base EDGE points (4 per Rs.200). Effective value depends on monthly caps; see the caveats on this page.
Does the Axis Bank My Zone Credit Card give airport lounge access?
Yes — 4 domestic visits/year.