Axis Bank
Axis My Zone Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
0.4% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
Free SonyLiv Subscription Worth ₹1,499
Product Highlights
- Complimentary SonyLiv Premium annual subscription as a joining benefit.
- 4 EDGE Points per ₹200 spent with the Axis Bank My Zone Credit Card.
- Discount on Swiggy of ₹120 per order (minimum order value of ₹500 required).
Category Rewards
Specialty
4 EDGE Points per ₹200 spent
4 pts/₹200
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
AJIO
Up to ₹1,000 Off(Minimum spends of ₹2,999 required)
EazyDiner
15% Off(Minimum order of ₹1500 required)
District by Zomato
Buy One Get One Free(Max benefit of ₹200 per month)
Swiggy
Flat ₹120 Off(Minimum order of ₹500 required)
Reward Calculator
Earns ₹610/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
Axis EDGE Reward Points
₹1.2K
via edge catalogue · ₹0.2/pt
Effective rate
0.40%
Annual fee
₹590
Year 1 net
+₹610
Year 2+ net
+₹610
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, cash advance, rent, jewellery, gold, insurance, education, government
Fuel surcharge waiver (good news)
1%on ₹400–₹4,000 fuel txns · capped at ₹500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 4 EDGE Points for every ₹200 spent. 1 EDGE Point = ₹0.20. Buy One Get One Free on movie tickets via District app. Flat ₹120 off on food delivery at Swiggy on orders of ₹500 and above.
- EDGE Points earned on the card are redeemable against shopping/travel vouchers or for purchasing products on the Axis Bank EDGE Rewards Portal.
Benefits & Features
Domestic: 1 Complimentary Lounge Access Every Quarter (Minimum spend of ₹50,000 in the previous quarter required for activation.) Complimentary lounge access once every quarter. Minimum spend of ₹50,000 in the previous quarter required for eligibility. New cardholders are exempt from this spend requirement for the first three months.
Pros & Cons
Pros
- Incredibly beneficial for moviegoers with excellent one-plus-one deals on bookings with District by Zomato.
- Great discounts on Swiggy orders with coupon code 'Axis 120'.
Cons
- Free airport lounge access requires a minimum spend of ₹50,000 in the previous quarter.
- No Reward Points for spends on movie ticket booking.
Additional Info
Important: Complimentary SonyLiv membership is renewed every year on spending a minimum of ₹1.5 lakhs in an anniversary year.
New cardholders are exempt from the minimum spend criteria for lounge access for the first three months.
No EDGE Rewards will be earned on movie, fuel, wallet reloads, insurance, education, government-related, and EMI transactions.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks