Axis My Zone Credit Card Review
The Axis Bank My Zone Credit Card offers a free annual subscription to SonyLiv Premium for spending Rs. 1.5 lakh in an anniversary year, and earns 4 EDGE Points for every Rs. 200 spent. Additionally, there are discounts available on Swiggy, Paytm mov...

Axis My Zone Credit Card Review
General Information
Our Rating: 9.2/10
Joining Fee: Rs. 500 + GST
Annual Fee: Rs. 500 + GST
Best For: Movies Shopping Food
Rewards and Benefits
Type of Rewards: Reward Points
Welcome Offers: Free SonyLiv Subscription Worth Rs. 999
Entertainment and Dining: BOGO offer on movie ticket bookings via Paytm Movies, up to 15% off at partner restaurants with Dining Delights & flat Rs 120 off on food orders with Swiggy.
Shopping Perks: 4 EDGE Points/₹200 (Reward Rate of 0.4%)
Travel Benefits: N/A
Domestic Lounge Access: 1 Complimentary Lounge Access Every Quarter (4 Each Year)
International Lounge Access: N/A
Golf Benefits: N/A
Insurance Coverage: N/A
Fees and Charges
Waiver on Spend: N/A
Redemption Fee: Nil
Foreign Transaction Fee: 3.5
Interest Rate: 3.6% per month (52.86% per annum)
Fuel Surcharge Waiver: 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 4,000 (max waiver capped at Rs. 400 per month)
Cash Advance Fee: 2.5% of the withdrawal amount subject to a minimum charge of Rs. 500
Summary
You will receive a free annual subscription to SonyLiv Premium when you spend Rs. 1.5 lakh in an anniversary year. With the Axis Bank My Zone Credit Card, you will earn 4 EDGE Points for every Rs. 200 spent. You can get a discount of Rs. 120 on Swiggy for each order, as long as the minimum order value is Rs. 500. When you book movie tickets through Paytm movies, you will be eligible for a Buy One Get One offer. You will have access to one complimentary domestic airport lounge per quarter. If you spend a minimum of Rs. 2,999, you will receive a flat discount of Rs. 1000 on AJIO. With the EazyDiner program, you can get 15% off up to Rs. 500 on orders of at least Rs. 1500.
Our Review
The Axis My Zone Credit Card is a great option for individuals who enjoy movies, shopping, and dining out.
With a joining fee of Rs. 500 + GST and a renewal fee of Rs. 500 + GST, this credit card offers attractive benefits and rewards.
One of the notable welcome benefits of this card is the free SonyLiv subscription worth Rs. 999.
This allows cardholders to enjoy a wide range of entertainment content at no additional cost.
Additionally, cardholders can also avail a movie dining BOGO offer on movie ticket bookings via Paytm Movies, making movie nights more enjoyable and affordable.
For food lovers, the My Zone Credit Card provides up to 15% off at partner restaurants with Dining Delights and a flat Rs 120 off on food orders with Swiggy.
These dining benefits are a great way to save money while satisfying your taste buds.
When it comes to shopping, this credit card offers 4 EDGE Points for every Rs. 200 spent, resulting in a reward rate of 0.4%.
This means that you can accumulate reward points quickly and redeem them for a variety of rewards of your choice.
As for travel benefits, unfortunately, the Axis My Zone Credit Card does not offer any specific perks in this category.
However, cardholders can still enjoy one complimentary lounge access every quarter at domestic lounges, adding a touch of luxury to their travel experience.
In terms of fees, this card does not charge a rewards redemption fee, providing cardholders with the flexibility to redeem their earned reward points without any additional charges.
However, it is worth noting that there is a foreign currency markup of 3.5% of the transaction amount, which should be considered when using the card for international purchases.
The interest rate on this credit card is 3.6% per month (52.86% per annum), which is the standard rate for most credit cards in India.
For fuel purchases, cardholders enjoy a 1% fuel surcharge waiver at all filling stations across India for transactions between Rs. 400 and Rs. 4,000, with a maximum waiver capped at Rs. 400 per month.
Cash advances are also available with this card, with a fee of 2.5% of the withdrawal amount, subject to a minimum charge of Rs. 500.
Overall, the Axis My Zone Credit Card is a solid choice for individuals who frequently indulge in movies, shopping, and dining.
With its range of benefits and rewards, it offers value for money and convenience.
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