The Axis Bank My Zone Credit Card was re-launched after May 1, 2019, as a fresh and updated card. It is mainly seen as an entry-level lifestyle-focused credit card for people who want easy and direct benefits. The card is popular because it gives cashback on movie tickets and discounts on Swiggy food orders.
But it does not stop there. This card also comes with complimentary airport lounge access, which is a good plus at this level.
Who this card is good for
This card is best for urban users who are comfortable with online payments and apps. If you often spend money on movies, food delivery, online shopping, and want some travel benefits without taking a premium card, this card fits well.
What are Card Variants, Lifetime Free, & Networks
In 2026, the Axis Bank MY ZONE Credit Card is available on three payment networks. Each network is useful in a different way, depending on how and where you spend money.
1. RuPay Variant
This is the most popular option in India. With the RuPay version, you can use the credit card for UPI payments by linking it to apps like GPay or PhonePe. It is very useful for daily spending like groceries, food orders, and small shop payments.
2. VISA Variant
The VISA version is good for people who travel or shop internationally. It has wide acceptance outside India and is usually issued as a Visa Platinum card.
3. Mastercard Variant
The Mastercard version also offers global acceptance, similar to Visa. In some Axis Bank campaigns, this variant is mentioned with special fee offers, including a nil joining fee in selected cases.
Annual Fees –
The fee structure of the card is simple and mostly the same across variants.
- Joining Fee: ₹500 + GST
- Annual Fee (from 2nd year): ₹500 + GST (selective, unless you choose LTF Card)
- Fee Waiver: Some Mastercard and RuPay offers may come with a Lifetime Free Scheme, depending on the ongoing campaign.
Lifetime Free (LTF) Status
right now in 2026, the card is often available as Lifetime Free (LTF) through selected channels.
- Selected Channels: If you apply through the Axis Bank Mobile App or official Lifetime Free pages, both joining and annual fees may be waived.
- Corporate or Salary Offers: Employees of selected companies can get this card as LTF through corporate tie-ups or bank kiosks.
Tip For You: It is a good idea to check the Axis Bank Mobile App today. Many users already have a pre-approved Lifetime Free offer showing in their profile.
What are the Latest Benefits And Features?
This card is mainly made for lifestyle use. It gives the maximum value in entertainment, the best offer is here –
1. Buy One Get One Free on Movie Tickets (Online Tickets Only)
With the Axis Bank MY ZONE Credit Card, you get a Buy 1 Get 1 Free offer on movie tickets at District. Basically, when you book two tickets, the second ticket is fully free.
- Maximum benefit: Up to ₹200 discount per month. You will find this on the app itself.
- How to get it: Use the coupon code AXIS200 while booking
- Where it works: District movie bookings only
Important thing to remember: You will not earn any reward points on movie ticket transactions. This offer is only for an instant discount, not for points.
Simple offer, and it is perfect for people who watch movies at least once a month. From my own experience, this is the best deal for me. I watch almost all South Indian movies, like RRR, Pushpa, and KGF, and because of this card, movie tickets become much cheaper every time.
I usually go to the movies with my friend. One ticket price is around ₹200, and with the offer, we get ₹200 off directly. Yes, there is around ₹50 online booking charge, but still the final cost comes much lower, so we don’t mind it.
2. Complimentary Domestic Airport Lounge Access
Quick points first:
- 1 free lounge visit per quarter (max 4 times in a year)
- Works on RuPay, Visa, and Mastercard
- ₹50,000 spent in the last 3 months is required
- New users get the first 4 months free without spend condition
- Valid only at select Indian airport lounges
Real talk: Unlike premium travel cards, this is not for frequent flyers. But for a lifestyle card, this lounge access still feels like a nice bonus. If you travel once or twice a year, it actually helps. Just keep in mind the ₹50,000 spend rule — easy if you use the card regularly, otherwise you may miss it.
- For the full lounge list and official terms, read here: Axis Bank Airport Lounge Access Program (PDF).
3. Free SonyLIV Premium Subscription (Limited)
This is a one-time welcome offer and makes sense only if you use SonyLIV. Unlike movie offers, the voucher takes time to arrive. If your card is Lifetime Free, this benefit won’t apply. Renewal sounds good, but ₹1.5 lakh spent works only if you use the card regularly.
- 1-year SonyLIV Premium free (worth ₹1,499)
- First transaction must be done within 30 days
- The voucher comes by SMS in 45 days
- Only for paid cards, not Lifetime Free
- Renewal needs ₹1.5 lakh yearly spend (rent & wallet not counted)
- Valid for users onboarded before 31 March 2025.
4. Instant Swiggy Discount
This offer is useful if you order food regularly. ₹500 minimum is easy to cross, and using it twice a month gives decent savings. Just don’t expect it to work in every restaurant, especially Haldiram’s. you can check this offer, when ordering food on app.
Quick points:
- You will get Flat ₹120 off on Swiggy food orders
- Use coupon code AXIS120
- Minimum order: ₹500
- Max discount: ₹120 per order
- Can be used 2 times per month per Swiggy ID
- Valid at most restaurants with alliance offers
- Not valid on Haldiram’s outlets across India
5. Other Features & Everyday Benefits
- Shopping (AJIO): You get up to ₹1,000 off if you shop for ₹2,999 or more. Works only on selected items.
- Dining (EazyDiner): Get up to 15% off on restaurant bills. Discount is capped at ₹500, and the bill should be ₹2,500+.
- Wednesday Deals: Mid-week offers like MakeMyTrip discount and Tira deals.
- Fuel Benefit: You save 1% fuel surcharge on spends between ₹400–₹4,000. Max saves ₹400 per month.
- EMI Option: Big spends can be converted into EMI, helpful when you don’t want to pay the full amount at once.
These are supporting benefits. Unlike movie offers, they depend on your usage. Good if you already shop, eat out, or need EMI sometimes.
What are the eligibility requirements for the MY ZONE Credit Card
- Age: Primary cardholder should be 18 to 70 years (21 years mostly, after 2024 new policy)
- Residency: Indian Resident or NRI, both can apply
Who gets easy approval (Real talk)
- If your credit score is around 750 and you already have an Axis Bank credit card, chances are high.
- Many users get it for free (LTF) and are pre-approved.
- Approval can happen with just 1 mobile OTP — no extra KYC in some cases.
Income & Application Options
- Minimum salary: Around ₹20,000 per month
- Card-to-Card apply: You can apply using your existing credit card statement
- Other options (usually when credit history is new or weak):
- Salary slip
- ITR (Income Tax Return)
Documents Needed
- PAN card (Must need for KYC or Video KYC)
- Address proof (Aadhaar / Passport / Voter ID)
- Income proof (salary slip, ITR, or card statement — as applicable)
Real Fact: If you already use Axis Bank services, this card is one of the easiest approvals. For new users, income and credit history matter more.
How to Apply for MyZone Card – You can check your eligibility on Easemoney in just a few clicks. Easemoney helps you find the right card based on your credit report, all on one free platform. Once eligible, you’ll be securely redirected to Axis Bank to complete the application. No cost, no middlemen.
Fees & Charges Table
Yes, many people get this card Lifetime Free (LTF). But LTF does NOT mean zero charges. It only means no joining and annual fee. Other charges still apply if you use the card in certain ways.
| What it is | Charges |
|---|---|
| Joining Fee | Subjective |
| Annual Fee | Subjective |
| Add-on Card Fee | Free |
| Card Replacement | Free |
| Cash Payment Fee | ₹175 |
| Duplicate Statement | Free |
| Charge Slip Copy | Free |
| Outstation Cheque | Free |
| SMS / Mobile Alerts | Free |
| Card Blocking (Hotlisting) | Free |
| Balance Enquiry | Free |
| Finance Charges | 3.75% per month (very high) |
| Cash Withdrawal Fee | 2.5% (minimum ₹500) |
| Late Payment Fee | ₹0 if bill < ₹500 |
| ₹500 (₹501–₹5,000) | |
| ₹750 (₹5,001–₹10,000) | |
| ₹1,200 (Above ₹10,000) | |
| Miss MAD twice | Extra ₹100 per cycle |
| Overlimit Charge | 2% (minimum ₹500) |
| Cheque Bounce / Auto-debit Fail | 2% (minimum ₹500) |
| Railway Ticket Surcharge | As per IRCTC |
| Fuel Surcharge | 1% (Refunded for ₹400–₹4,000, max ₹400/month) |
| Foreign Spend Fee | 3.50% |
| Reward Redemption Fee | Yes |
| GST | As per govt rules |
Axis My Zone Card – A Quick Reality Check
In 2026, the Axis My Zone Credit Card is still a decent entry-level lifestyle card, but honestly, it struggles when compared to high cashback cards available now.
Axis My Zone Drawbacks
- Low rewards: You earn very little in normal spending. Cashback-style cards give much more value.
- Lounge access is not free anymore: Unlike old LTF cards, you must spend ₹50,000 in the last 3 months to get just 1 lounge visit.
- Limited partners: Big benefits work only on Swiggy and Ajio. If you use Zomato or other sites, this card feels useless.
- Movie offer not as great now: BOGO looks good, but the ₹200 cap + convenience fees reduce real savings.
- No rewards on basics: Fuel, rent, utilities, insurance, education — zero points.
- High forex charges: 3.5% is costly for international shopping or travel.
- Low point value: EDGE points are weak, and you even pay a redemption fee.
Real Market Talk
If you spend a lot every month, this card is not for you. Flat cashback cards or dining-focused cards give better value.
The My Zone card makes sense only if:
- You get it Lifetime Free (LTF)
- You regularly use Swiggy, SonyLIV, and movie offers
Unlike cashback cards, this one works more like a fun-use card, not a serious money-saving card.
FAQs
Does My Zone Credit Card have lounge access?
Yes, it offers domestic airport lounge access. You get 1 visit per quarter after ₹50,000 spend in previous 3 months. No international lounge benefit included.
Is Axis My Zone a good first credit card?
Yes, it suits first-time users. Entry-level fees, movie offers, Swiggy savings, and simple rewards help beginners build credit history safely if bills are paid on time.
Does Axis Bank My Zone Credit Card give international lounge access?
No, this card does not provide international lounge access. It is designed for domestic lifestyle use only. International travellers should consider premium Axis travel cards instead.
What movie benefits does Axis My Zone Credit Card give?
You get Buy One Get One free movie tickets monthly via District app. Maximum discount applies as per Axis terms. Useful for regular theatre viewers in cities.
Who should avoid Axis Bank My Zone Credit Card?
Avoid if you want airport-heavy travel perks, high rewards on fuel, or international lounge access. This card is lifestyle-focused, not a travel or premium rewards card.
Is Axis My Zone Credit Card worth the ₹500 annual fee?
Yes, if you use movies or Swiggy twice monthly, savings usually cross ₹3,000 yearly. For zero usage, fee may feel costly. Usage decides value.