Axis Bank RuPay Credit Card
Axis MyZone Credit Card
Movies, Food, Rewards — All in One Card
BOGO movie tickets via District app — second ticket free, up to ₹200/month
Free Sony LIV Premium membership worth ₹1,499 on first purchase
1 complimentary domestic airport lounge access every quarter
Last Updated: April 2026 | Reviewed by: RupayCreditCards Editorial Team
Features & Benefits
Axis MyZone Credit Card Features & Benefits
Buy One Get One Free — Movie Tickets
- Book two movie tickets on the District app — the second ticket is free, up to ₹200 off per month.
- Add code AXIS200 before paying.
- No reward points earned on movie bookings.
Free Sony LIV Premium Subscription
- Do your first transaction within 30 days of getting the card and get a free Sony LIV Premium membership worth ₹1,499. Voucher via SMS within 45 days.
- Spend ₹1.5 lakh in a card anniversary year to renew the subscription for free. Applies to customers who got the card before 31st March 2025.
- If you've paid the annual fee, the renewal voucher is sent within 60 days of payment.
₹120 Off on Swiggy Orders
- Flat ₹120 off on Swiggy food orders of ₹500 or more. Use code AXIS120 at checkout.
- Works twice a month on the same Swiggy account.
- Not valid at Haldiram's outlets.
Complimentary Airport Lounge Access
- One free visit to a domestic airport lounge every three months.
- To unlock this, you need to have spent at least ₹50,000 in the 3 months before your visit.
Earn EDGE Reward Points
- 4 EDGE Reward Points for every ₹200 you spend.
- Redeem them via the EDGE Rewards Catalogue on the Axis Bank website.
Fuel, movie, insurance, wallet loads, rent, utilities, jewellery, education, government payments and EMI transactions don't earn reward points.
Bonus Points on ₹1.5 Lakh Annual Spend
- Cross ₹1.5 lakh in a card anniversary year and get 1,000 extra EDGE Reward Points. For customers who joined from 1st April 2025.
- Points credited within 90 days of reaching the target.
Fuel, movies, insurance, utilities, rent, wallet, jewellery, education and government spends don't count toward this target.
1% Fuel Surcharge Waiver
- 1% of the surcharge is refunded on fuel transactions between ₹400 and ₹4,000. Maximum saving is ₹400 per statement cycle.
- Works at all petrol pumps in India, including when you pay via UPI.
- GST on the surcharge is not refunded.
Restaurant Discounts
- Deals at select restaurants across India through the Axis Bank Dining Delights program.
Convert Purchases to EMI
- Any purchase above ₹1,500 can be split into monthly installments.
- Contact Axis Bank after the transaction to set it up.
Chip and PIN Security
- EMV chip protects against cloning and skimming.
- Every purchase requires your PIN, so the card can't be misused even if lost.
Wednesday Deals
Exclusive weekly offers every Wednesday to beat the mid-week blues
15% off
Flights & Hotels via MakeMyTrip
10% off
Orders via Swiggy
10% off
Up to ₹1,000 on Tira
Fees & Charges
Axis MyZone Credit Card Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Add-on Card Fee (Joining + Annual) | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fee | ₹175 |
| Duplicate Statement / Charge Slip / Outstation Cheque | Waived |
| Mobile Alerts | Free |
| Hotlisting / Balance Enquiry | Nil / Waived |
| Finance Charges | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn (min. ₹500) |
| Late Payment Fee | Nil if due < ₹500 | ₹500 for ₹501–₹5,000 | ₹750 for ₹5,001–₹10,000 | ₹1,200 if > ₹10,000. Additional ₹100 per cycle if minimum due is missed two cycles in a row. |
| Over Limit Penalty | 2% of amount (min. ₹500) |
| Cheque Return / Auto-debit Reversal | 2% of payment amount (min. ₹500) |
| Railway Ticket Surcharge | As set by IRCTC / Indian Railways |
| Fuel Surcharge | 1% of amount. Refunded on ₹400–₹4,000 transactions. Max ₹400/month. |
| Foreign Currency Transaction Fee | 3.50% of transaction value |
| Reward Point Redemption Fee | Applicable |
| GST | As per government norms |
| Rent Transaction Fee | 1% (+ GST) |
| Dynamic Currency Conversion Markup | 1.5% on INR transactions at international locations (+ GST) |
| Education Transaction Fee | 1% via third-party apps (+ GST) |
| Wallet Load Fee | 1% on cumulative loads above ₹10,000 in a cycle (+ GST) |
| High-value Fuel Transaction Fee | 1% on cumulative fuel spends above ₹50,000 in a cycle (+ GST) |
| Utility Transaction Fee | 1% on cumulative utility spends above ₹25,000 in a cycle (+ GST) |
| Online Gaming Transaction Fee | 1% on cumulative gaming spends above ₹10,000 in a period (+ GST) |
Eligibility & Documents
Axis MyZone Credit Card Eligibility
- Age between 18 and 70 years.
- Must be a resident of India or an NRI.
These are basic criteria. The bank decides approval based on your credit score, income and other factors it considers relevant.
Axis MyZone Credit Card Documents
- PAN card or Form 60
- Income proof — latest salary slip, Form 16 or IT return
- Address proof — passport, ration card, electricity bill or landline telephone bill
This list is indicative. The bank may ask for additional documents based on your profile.
Annual Savings
How Much Can You Save with Axis MyZone Credit Card?
| Benefit | Monthly Benefit (₹) | Annual Benefit (₹) |
|---|---|---|
| Sony LIV Activation Benefit1 | — | 1,499 |
| Movie spends at District2 | 200 | 2,400 |
| Food ordering at Swiggy | 240 | 2,880 |
| Fuel Spends3 | 30 | 360 |
| Domestic Airport Lounge Access4 | — | 2,000 |
| EDGE Rewards | 50 | 600 |
| Total Benefits (Year 1)# | — | Up to ₹9,739 |
| Annual benefits as % of spends | — | 6.7% |
1Applicable for first year only
2Applicable once per card
3Assuming fuel spends of ₹3,000 monthly
4Assuming 2 visits in a year
#Based on ₹1,50,000 annual spend on eligible categories
*For illustrative purposes only
Pros & Cons
Axis MyZone Credit Card Pros and Cons
✅ What We Like
- Free Sony LIV subscription worth ₹1,499 on first purchase
- BOGO movie offer via District — up to ₹2,400 saved in a year
- ₹120 off on Swiggy twice a month — ₹2,880 saved yearly
- Free lounge access once per quarter for regular spenders
- Fuel surcharge waiver works on UPI payments too — not many cards offer this
- Wednesday deals on MakeMyTrip, Swiggy, and Tira every week
- Annual fee is just ₹500 — low cost for what it offers
❌ What Could Be Better
- Lounge access is spend-gated — requires ₹50,000 spend in previous 3 months
- Very long exclusion list for reward points — fuel, rent, movies, utilities, wallets all earn nothing
- Sony LIV renewal only for customers who got the card before March 2025
- 3.5% foreign transaction fee — not a good card for international use
- 4 points per ₹200 is a low reward rate compared to newer cards
- No annual fee waiver option — you pay ₹500 regardless of spend
Is This Card Right for You?
Who Should Apply — Axis MyZone Credit Card
- You watch movies regularly — BOGO offer saves ₹200 every month
- You order food on Swiggy at least 2 times a month
- You want a free OTT — Sony LIV saves ₹1,499 upfront
- You spend ₹50,000+ per quarter and want lounge access
- Getting your first credit card and want simple, low-fee benefits
- You pay at petrol pumps via UPI and want the surcharge waived
Who Should Avoid — Axis MyZone Credit Card
- You travel internationally often — 3.5% forex fee is expensive
- Most spending is on rent, utilities, or fuel — no reward points on these
- You want guaranteed lounge access without any spend condition
- You shop mostly at local offline stores — little benefit there
- You want annual fee waiver based on spending
Card Comparison
Axis MyZone vs SBI SimplyCLICK
| Feature | Axis MyZone | SBI SimplyCLICK |
|---|---|---|
| Annual Fee | ₹500 (no waiver) | ₹499 — waived free if you spend ₹1 lakh/year |
| Network | RuPay — works on UPI, fuel waiver on UPI too | Visa Platinum |
| Reward Rate | 4 pts per ₹200 spent | 10X on 11 partner apps, 5X on all other online spends |
| Movie Benefit | BOGO via District — second ticket free, ₹200 saved/month | None |
| OTT Benefit | Free Sony LIV Premium worth ₹1,499 | None |
| Food Delivery | ₹120 flat off on Swiggy × 2/month + Wednesday 10% off | 10X reward points on Swiggy orders |
| Airport Lounge | 1 visit/quarter (needs ₹50,000 spend in prior 3 months) | None |
| Milestone Benefit | 1,000 EDGE points at ₹1.5 lakh spend | ₹2,000 voucher at ₹1 lakh + ₹2,000 more at ₹2 lakh (up to ₹4,000/year) |
| Fuel Surcharge Waiver | 1% — max ₹400/cycle | 1% |
| Best For | Movies, food delivery, OTT, entertainment | Online shopping on Amazon, Swiggy, Flipkart and partner apps |
Choose Axis MyZone if you want movies, Sony LIV, and food discounts. Choose SBI SimplyCLICK if most of your spending is online shopping and you want higher reward points.
Our Verdict
Axis MyZone Credit Card Review
Best-in-class movie benefit at ₹500 fee. BOGO on District every month plus Swiggy discounts twice a month — together, these two benefits alone return more than the annual fee every single month.
Sony LIV is a real saving, not just a coupon. ₹1,499 worth of OTT on first purchase makes Year 1 value very strong. But from April 2025, new cardholders don't get the renewal — which is a step back.
Lounge access sounds good, but has a catch. You need ₹50,000 spend in the last 3 months to unlock it. For low or medium spenders, this benefit stays out of reach.
Reward points are weak and heavily restricted. 4 points per ₹200 is low, and the exclusion list covers fuel, rent, movies, utilities, education, wallets, and more. Most common spends earn nothing.
Not a travel card. 3.5% foreign transaction fee is high. If you travel abroad or shop on international sites, avoid using this card.
Our take: A solid card for young earners who watch movies, order Swiggy regularly, and want an OTT subscription covered. At ₹500 a year, the value you get in Year 1 is clearly worth it. Just don't expect strong reward points or travel perks.
FAQs
Axis MyZone Credit Card FAQs
No. Fuel, movie and EMI transactions don't earn reward points. You do get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
You can apply online through the Axis Bank website or Paisabazaar. To apply offline, visit any Axis Bank branch near you.
Yes, you can withdraw cash within your credit limit. The fee is 2.5% of the amount, minimum ₹500. Interest starts from day one on cash withdrawals, so use this only when necessary.
3.5% of the transaction amount. This is on the higher side, so this card is not a good pick for international travel or shopping on foreign websites.
No, you don't need an account with Axis Bank. Just meet the eligibility criteria. A CIBIL score above 750 improves your chances of getting approved.