M16S / Axis Bank / Axis My Zone Credit Card
entry · rewards, upi
Axis My Zone Credit Card
The Axis My Zone Credit Card costs Rs 500 a year. Its base return is 0.4% (4 EDGE RP per Rs 200). The forex markup is 3.5%. Lounge visits in India: 1 per calendar quarter at select airport lounges in India. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- —
- Base return
- 0.4%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Axis Bank movie offers need Rs 25,000 spend from 1 November 2026
From 1 November 2026, Axis Bank MY ZONE, PRIVILEGE, SELECT and NEO cardholders must spend Rs 25,000 in the previous 3 months to use the card's movie offer.
- Axis Bank stops rewards on bridge fees, road fees and tolls, August 2026
From 28 Aug 2026 spends on bridge fees, road fees and tolls earn no rewards or cashback on these Axis Bank cards. Gift card purchases move to their own spend category and still earn nothing. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank sets a Rs 1,300 late fee on dues of Rs 50,000 and above, August 2026
From 28 Aug 2026 the late payment fee is INR 1,300 for outstanding balances of INR 50,000 and above. Below INR 50,000 the fee is unchanged. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank raises the foreign currency markup from 1.5% to 3.5%, August 2026
From 28 Aug 2026 the dynamic currency conversion markup rises to 3.5% from 1.5% on these Axis Bank cards. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank swaps MY ZONE Sony LIV renewal for 1,000 points, April 2026
From 1 Apr 2026 the Sony LIV renewal on Rs 1,50,000 annual spend ends. The card instead earns 1,000 EDGE Reward Points on Rs 1.5 lakh annual spends. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank can forfeit unredeemed EDGE points 30 days after card closure, Oct 2025
From 1 Oct 2025 Axis Bank reserves the right to forfeit unredeemed EDGE Reward Points and EDGE Miles 30 days after card closure, or when the minimum amount due is outstanding for more than 90 days. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank adds 1% fees on wallet, fuel, utility, education and gaming, Dec 2024
The MITC lists a 1% fee applicable from 20 Dec 2024 on wallet loads from INR 10,000, fuel from INR 50,000, utilities from INR 25,000 and online skill-based gaming from INR 10,000 per statement cycle, and on third-party app education payments. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Fee notes | No spend waiver in MITC. Aggregator readers report lifetime-free issuance through some channels. |
Rewards
| Welcome benefit | SonyLIV Premium annual subscription worth Rs 1,499 on first purchase within 30 days of issuance (voucher code by SMS within 45 days; also sent within 60 days of annual fee payment) |
|---|---|
| Reward currency | EDGE Reward Points |
| Base earn | 4 EDGE RP per Rs 200 |
| Base return | 0.4% |
| Point value | Rs 0.20 per point |
| Spends that earn nothing | Movies, fuel, insurance, wallet, rent, utilities, education, government institutions, EMI transactions, jewellery, gift cards, bridge fees, road fees and tolls |
| Points expiry | 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C) |
| Milestone benefits | 1,000 EDGE RP on Rs 1.5 lakh spend in a card anniversary year (credited within 90 days; movie, fuel, insurance, utility, rent, wallet, jewellery, education and government spend excluded) |
| Reward notes | base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%. Issuer fee table shows a reward redemption fee applies ('yes') without the amount; aggregator reports Rs 99 + GST. |
Travel and perks
| Domestic lounge | 1 per calendar quarter at select airport lounges in India |
|---|---|
| International lounge | None |
| Lounge conditions | Unlocked on Rs 50,000 spend in the previous 3 months (issuer page); waived in issuance month + next 3 months; guests paid |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle; also applies to credit-card-on-UPI fuel transactions (issuer page) |
| Other freebies | District BOGO movie ticket, up to Rs 200 off a month (code AXIS200); Swiggy flat Rs 120 off on Rs 500+ twice a month; Cleartrip flat 7% off flights (up to Rs 2,000) and 18% off hotels (up to Rs 4,000), each once a month; Dining Delights; Wednesday offers |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India or NRI. No income figure published. |
| Fine-print notes | Before the 2026-10-12 page read: fees, interest, forex and lounge rule from issuer documents; rewards and offers from aggregator. Product page read 2026-10-12 confirms earn rate, exclusions, milestone, lounge, fuel waiver, 3.5% forex and 3.75% interest. The joining and annual fee cells are blank in the page text; MITC Rs 500/500 kept. Networks are not named on the page (it mentions credit card on UPI). Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Visa and Mastercard variants are not confirmed by an issuer page, so networks stays unverified. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (aggregator, reader-reported) 'Rs 15,000 a month salaried, Rs 30,000 self-employed' -> issuer page gives only age 18-70, resident or NRI | other_freebies: old (aggregator) listed AJIO up to Rs 1,000 off and EazyDiner 15% off -> neither is on the issuer page (page lists Cleartrip discounts instead); removed |
Questions
- What is the annual fee of the Axis My Zone Credit Card?
- Rs 500 a year, before GST.
- Does the Axis My Zone Credit Card give airport lounge access?
- Yes. In India: 1 per calendar quarter at select airport lounges in India. Outside India: none listed. Conditions: Unlocked on Rs 50,000 spend in the previous 3 months (issuer page); waived in issuance month + next 3 months; guests paid
- What is the forex markup on the Axis My Zone Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis My Zone Credit Card?
- Movies, fuel, insurance, wallet, rent, utilities, education, government institutions, EMI transactions, jewellery, gift cards, bridge fees, road fees and tolls