₹500
Annual Fee
4 Pts
Per ₹200 Spent
BOGO
Movie Offer
₹1,499
Sony LIV Free
1/Qtr
Lounge Access
1%
Fuel Waiver
Features & Benefits

Axis MyZone RuPay Credit Card Features & Benefits

Buy One Get One Free on Movie Tickets

  • Book two movie tickets on the District app and 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 you'll get a free Sony LIV Premium membership worth ₹1,499. The voucher reaches you via SMS within 45 days.
  • Spend ₹1.5 lakh in a card anniversary year to get the subscription renewed for free. Applies to customers who got the card before 31st March 2025. Rent and wallet loads don't count toward the ₹1.5 lakh limit.
  • 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.

Free 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.

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 are added 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.

Wednesday Deals

  • Up to 15% off on flights and hotels when you book via MakeMyTrip every Wednesday.
  • 10% off on Swiggy orders placed on Wednesdays.
  • 10% off up to ₹1,000 on Tira beauty purchases every Wednesday.

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

  • The card has an EMV chip that protects against cloning and skimming. Every purchase requires your PIN, so the card can't be misused even if lost.
Fees & Charges

Axis MyZone RuPay Credit Card Fees & Charges

Fee TypeAmount
Joining Fee₹500
Annual Fee₹500
Add-on Card Fee (Joining + Annual)Nil
Card Replacement FeeNil
Cash Payment Fee₹175
Duplicate Statement / Charge Slip / Outstation ChequeWaived
Mobile AlertsFree
Hotlisting / Balance EnquiryNil / Waived
Finance Charges3.75% per month (55.55% per annum)
Cash Withdrawal Fee2.5% of amount withdrawn (min. ₹500)
Late Payment FeeNil 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 Penalty2% of amount (min. ₹500)
Cheque Return / Auto-debit Reversal2% of payment amount (min. ₹500)
Railway Ticket SurchargeAs set by IRCTC / Indian Railways
Fuel Surcharge1% of amount. Refunded on ₹400–₹4,000 transactions. Max ₹400/month.
Foreign Currency Transaction Fee3.50% of transaction value
Reward Point Redemption FeeApplicable
GSTAs per government norms
Rent Transaction Fee1% (+ GST)
Dynamic Currency Conversion Markup1.5% on INR transactions at international locations (+ GST)
Education Transaction Fee1% via third-party apps (+ GST)
Wallet Load Fee1% on cumulative loads above ₹10,000 in a cycle (+ GST)
High-value Fuel Transaction Fee1% on cumulative fuel spends above ₹50,000 in a cycle (+ GST)
Utility Transaction Fee1% on cumulative utility spends above ₹25,000 in a cycle (+ GST)
Online Gaming Transaction Fee1% on cumulative gaming spends above ₹10,000 in a period (+ GST)
Who Can Apply

Axis MyZone RuPay 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.

Documents Required

Axis MyZone RuPay 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 RuPay Credit Card?

Benefit Monthly Benefit (₹) Annual Benefit (₹)
Sony LIV Activation Benefit1—1,499
Movie spends at District22002,400
Food ordering at Swiggy2402,880
Fuel Spends330360
Domestic Airport Lounge Access4—2,000
EDGE Rewards50600
Total Benefits (Year 1)#—Up to ₹9,739
Annual benefits as % of spends—6.7%

1 Applicable for first year only

2 Applicable once per card

3 Assuming fuel spends of ₹3,000 monthly

4 Assuming 2 visits in a year

# Based on ₹1,50,000 annual spend on eligible categories

* For illustrative purposes only

FAQs

Axis MyZone RuPay Credit Card FAQs