Axis bank my zone credit card offers huge benefits for Shopping, Entertainment and Dining. Axis bank my zone card is one of the top-rated credit cards in the market. My zone card offers discount on online shopping, entertainment, food orders on Swiggy, dining and much more.
Axis Bank My Zone credit card is offering lifetime free means no joining fee and no annual fee if you join before 15th October 2022. Unless it has a joining fee of ₹499+tax and an annual fee of ₹499+tax. So if you planning to get Axis my zone credit card then apply it before 15th October 2022.
In this blog post, I will share some important information, pros & cons of Axis My Zone credit card and my experience of using My zone card. So read this article completely.
This credit card is suitable for both salaried person and self-employed. This is an entry-level credit card with huge offers loaded in it for shopping, movie, dining etc. Axis My Zone card has a basic reward system which is good for new credit card users.
Overview of Axis Bank My Zone Credit card
| Suitable for | Shopping, Entertainment, Dining |
| Card network | VISA |
| Reward type | Reward Points |
| Joining fee | Nil |
| Annual fee | Nil |
| Welcome benefit | Sonyliv subscription |
| Lounge access | 4 (1 per quarter) |
Design
Recently Axis bank has changed the design of most old credit cards and My Zone credit card also got a new & fresh look.
Earlier Axis My Zone credit card was issued on the Mastercard platform but now this card is issued on the VISA platform only.
The new look is decent and has a headphone design on it. But don’t know why there is a headphone design while this card has huge offers on movie & food orders. It may be because you get a complimentary Sonyliv subscription with this credit.
Fees & Charges
| Joining Fee | Lifetime FREE |
| Welcome benefit | SonyLiv premium |
| Renewal Fee | Lifetime free |
| Renewal benefit | SonyLiv premium (on 1.5L spend) |
| Renewal fee waiver | NA |
Rewards
- 4 Reward Points for every ₹200 spend
- 1 Reward Point = .20 INR on Edge Reward Portal
- No rewards on EMI, Fuel & Movie
- Always discount on Swiggy, Paytm movie
Axis Bank My Zone credit card has a decent reward program. This card is not for those who love to hunt cashback. This credit card is for those who mainly don’t focus on cashback/rewards, also this card has no joining or annual fee.
Also Read: Best Credit Cards for online shopping in India
How To Redeem Reward Points
You can claim discount offers on Ajio, Swiggy, Paytm and Fuel surcharge at all petrol pumps. And you can redeem Reward points on Edge reward portal very easily. Value of each reward point is ₹.20.
Special Offers
Axis My Zone Card comes with many offers and offers, below you can check them out.
Movie Offers
- Offer: Buy one get one (valid on movies only)
- Capping limit: up to Rs. 200 off on 2nd ticket
- Ticket Platform: Paytm
- Monthly limit: 1 per month
- Coupon code: AXIS200
With this card, you will get a buy one get one free movie ticket offer on Paytm. You need to apply coupon code AXIS200 while booking movie tickets on Paytm. The maximum discount you can get is 200 INR. All theatres are not listed on Paytm so this offer may not be so useful for some users.
SonyLiv offers
- You will get 1-year SonyLiv premium subscription as a complementary benefit when you activate your My Zone Credit card.
- If you spend a minimum of Rs. 1.5 lakh in a year then you will get a SonyLiv premium subscription for free.
Ajio Offers
- Coupon code: AXISMYZONE
- Minimum order value: Rs. 2000
- Discount: Flat Rs 600 off
With the Axis My Zone card you will get flat Rs 600 off on your Ajio order on a minimum order value of Rs. 2000. There is no capping limit on this offer which means you can claim this offer many times.
Swiggy Offers
- 40% off on Swiggy orders
- Coupon code: AXIS40
- Capping limit: 120 INR/ transaction
- Minimum order value: 200 INR
- Monthly limit: 4 times a month
Swiggy discount is an amazing benefit of holding an Axis bank My Zone credit card. You will get 40% discount up to 120 INR on your swiggy order and minimum order value should be of Rs. 200, You can claim this offer 4 times in a month.
Festive Offer
Axis bank offers discount offers (10%discount ) on Amazon, Flipkart, and other shopping sites during festive seasons. With Axis My Zone credit card you will get discount offers on shopping sites during festive seasons.
Fuel offer
1% fuel surcharge waiver at all petrol pumps, Valid on transaction between Rs.400 and Rs.4000. And you can get maximum Rs.400 fee waiver per statement cycle.
Dining Delights
My Zone credit card is also eligible for the Axis bank dining delights program. In this, you will get up to 20% off on partner restaurants while dining in.
Refer to the official website of Axis bank dining delights for a list of restaurants where this offer is applicable.
Airport Lounge Access
You will get 1 complimentary domestic airport lounge access per quarter with My Zone credit card.
Here you can click to see the list of lounges for VISA and Mastercard.
Fee Waiver / LTF
Currently, Axis bank is offering lifetime free My Zone card means no joining fee and no annual fee. If you apply for Axis My Zone card before 15th October 2022 then only you will get lifetime free card.
Unless there is a joing fee of Rs. 499 and annual fee of Rs. 499, Your annual fee will be waived off if you spend at least Rs. 2 lakh in the previous year. Also you will get an Amazon voucher when you pay the joining fee.
How To Apply
If you are new to Axis bank and don’t need to open saving account to get a credit card.
Simply visit Axis bank website and find My Zone credit card link or click on the apply now button below.
After clicking on this apply now button you need to enter basic details like name, date of birth, PAN card etc.
You will receive an OTP, submit that. If you get accepted to Axis bank my Zone credit card you will receive an SMS with reference number. After 1-2 days bank agent may vist for KYC or you have to complete video KYC. In some cases KYC is not needed.
Post successful KYC you will receive your credit card at your registered address within 10 days.
Eligibility criteria
- Age: 18-65 years
- Employment status: Salaried or Self employed
- Income: Rs. 15000 per month for salaried and Rs. 30000 per month for self employed.
Joining benefits
- Complimentary annual subscription of SonyLiv premium worth 999 INR
- Rs. 500 Amazon vouchers ( if you pay the joining fee)
Axis My Zone VS Axis ACE card
Like My Zone credit Axis bank has an ACE credit card (in partnership with Google pay). Axis bank ACE credit card is available to apply only through Google pay app while you can apply for My Zone card directly from bank website.
With Axis ACE credit card you will earn flat 5% cashback on recharge & bill payments on Google pay app. And 4% unlimited cashback on Swiggy.
You will get movie offer, 40% off on Swiggy with My Zone card but very low reward on recharge & bill pay.
If you do huge recharge & bill payments (for self, family, friends) on Google pay then you can go for Axis bank ACE credit card unless My Zone card is a very useful card.
Pros & Cons
Pros:
- Decent cashback on movie booking & Swiggy orders.
- Easy reward redemption option
- SonyLiv premium subscription
Cons:
- Only 1 complimentary lounge access
- Low reward rate
- 52.86% p.a interest rate which is very high.
Final thought
This Axis bank My Zone credit card is not only just an entry level credit card but also for them who love discounts on food order, dining and entertainment. My Zone credit card offers 40% off on Swiggy order and free movie tickets from Paytm.
My Zone card has decent reward rate on other spending which is not upto mark if you love discounts & cashback.
If you love to hunt cashback on every soends then you can check out the list of best cashback credit cards in India.
Currently, Axis bank is issuing My Zone credit card as a lifetime free card, So there is no liability of renewal fee. That’s the reason you should not skip this card.
Thank you for reading this article completely, I hope this Axis bank My Zone credit card review was helpful for you to know more about this card. Please share this article with others.
What is foreign currency transaction fee charged on Axis bank My Zone card?
Foreign currency transaction fee charged on Axis bank My Zone card is 3.5% of the transaction amount which is huge. This is not an ideal credit card for foreign currency transaction.
I don’t have an account with Axis bank can I apply for My Zone card?
To apply a my Zone card it is not mandatory to have a saving account with Axis bank. However you must meet the required eligibility criteria to get approved for Axis my Zone card.
How can i redeem reward points earned on Axis my Zone card?
You can redeem all reward points earned on your My Zone card at Edge reward portal. The edge reward points can be redeemed against a variety of item including vouchers, mobile accessories, computer accessories etc.
Very Useful article