Axis Bank My Zone Credit Card

Axis Bank · Open to apply

Axis's entry lifestyle card: 4 EDGE Reward points per ₹200, a free second District movie ticket (up to ₹200 a month), ₹120 off Swiggy twice a month, one domestic lounge visit a quarter and a 1% fuel surcharge waiver. ₹500 joining and annual fee with no spend-based waiver.

Annual fee
₹500 + GST a year
Joining fee
₹500 + GST
Base rate
4 EDGE Reward points per ₹200: 4 EDGE Reward points per ₹200 (about 0.4% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹50,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No points on movies, fuel, insurance, utilities and telecom, wallet, rent, education, government, jewellery, gift cards, cash advances or EMI conversions
  • No points on bridge, road and toll fees

Where the sources disagree

  • Sony LIV subscription: The 2026-04-01 notice says the Sony LIV renewal offer on ₹1.5 lakh of spend is discontinued. The product page still lists a complimentary Sony LIV Premium annual subscription on the first purchase within 30 days of issue and shows the Sony LIV benefit in the year-1 value chart. The first-year subscription is kept as a welcome benefit; the renewal is closed.
  • Fuel surcharge waiver cap period: The KFS, MITC and the page's feature text say up to ₹400 per statement cycle; the page's fee table says "Maximum benefits up to ₹400 per month". The statement-cycle wording of the KFS and MITC is used.
  • Joining and annual fee: The KFS and MITC list ₹500 joining and ₹500 annual fee; the product page and listing show ₹NIL as a limited-period lifetime-free offer on the Visa network valid till 31 December 2026. The KFS and MITC standard fee is used and the offer is in not_modelled.

Terms the calculator does not value

  • The merchant offers (District buy-one-get-one up to ₹200 a month, Swiggy ₹120 off twice a month, Cleartrip discounts, the Sony LIV subscription for a year) are the card's main draw (the page's value chart counts up to ₹13,499 a year against about ₹600 of reward points) but the calculator values only the Sony LIV welcome benefit at face value.
  • Lifetime-free offer: the product page fee table shows ₹NIL joining and annual fee as a "Limited period offer on Visa Network" and the listing says "Lifetime free offer valid till 31st December 2026" (first seen 2026-11-06). The calculator charges the standard ₹500 a year; a card taken under the offer pays nothing. Whether the Sony LIV welcome subscription comes with the free card is not stated.
  • A page says the terms "will be updated from 15th Aug, 2025" but links to the same T&C PDF, which has no 2025-08-15 item.
  • Reward redemption carries a fee ("yes" on the product page) whose amount is not stated.

Sources

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