Axis Bank MY Zone Credit Card (Lifetime Free)

Axis Bank MY Zone Credit Card


Joining Fee: LTF
Annual Fee: LTF







Payment Network

Visa, Rupay


Domestic Airport Lounge Access, Paytm Movies Offer, Fuel Surcharge Waiver

Axis Bank has some decent entry-level credit cards like Neo and MY Zone. These are easy to get approved for and come with low annual fees making them ideal for someone new to credit cards. The Axis Bank My Zone credit card is now being issued Lifetime Free when you apply online. We get SonyLiv premium subscription as a welcome benefit. The card earns 4 EDGE reward points per Rs 200 of spend. Among its benefits are a Paytm Movies BOGO offer, 40% discount on Swiggy and complimentary airport lounge access.


Joining FeeLifetime Free (LTF)
Welcome BenefitSonyLiv Premium Annual Subscription on the first spend within 30 days
Annual FeeLifetime Free (LTF)
Renewal BenefitSonyLiv Premium Annual Subscription if annual spends are more than Rs 1.5 Lakh
Annual Fee WaiverNot Applicable
Axis Bank MY Zone Credit Card Review: Fees

Axis Bank MY Zone Credit Card Rewards

MY Zone card rewards and benefits are more for select merchants like Swiggy, Paytm and AJIO. The earn rate for EDGE rewards is a bit low. This makes this card worth it only if you can maximize the merchant offers.

LTF IndusInd Bank Credit Cards
Rewards4 EDGE Reward Points/Rs 200
EDGE Reward Points Value20 paise/point
Axis Bank MY Zone Credit Card Review: Rewards

Axis Bank My Zone credit card will not earn any EDGE Rewards for the below categories:

  • Fuel
  • Rent
  • Utilities
  • Educational Services
  • Government Institutions
  • Wallets

Partner Benefits

Swiggy and Paytm Movies are good offers that will be useful for most people.

MerchantOfferMax DiscountMin OrderMax Usage
SwiggyFlat Rs 120 offRs 120Rs 5002/month
Paytm MoviesBuy One Get OneRs 200None1/month
AJIO – Select StylesRs 1000 offRs 1000Rs 2999No Cap
Axis Bank MY Zone Credit Card Review: Partner Benefits

Other Benefits

  • SonyLiv premium annual subscription renewal on spends of Rs 1.5 Lakhs in a membership year. The eligible spends will not include rent and wallet load transactions.
  • 1% Fuel Surcharge Waiver: Valid on transactions between Rs 400 and Rs 4000. Maximum of Rs 400 per statement cycle.

Dining Delights

MY Zone card is also eligible for the Axis Bank Dining Delights program. In this, we get a minimum of 15% off on partner restaurants when dining in. Refer to the official Axis Bank Dining Delights website for a list of restaurants and applicable offers.

LTF IDFC First Bank Credit Cards

Complimentary Airport Lounge Access

We get 1 complimentary domestic airport lounge access per quarter with the MY Zone card. The list of lounges is limited and depends on the variant (Visa/Mastercard). Check the list of lounges for Visa and Mastercard.

Final Thoughts

The Axis MY Zone credit card might not offer good EDGE rewards but has some good benefits. Assuming we order 4 times from Swiggy and book 1 ticket on Paytm movies in a month:

  • Spend on Swiggy orders is Rs 500 X 2 = Rs 1000
  • Savings on Swiggy is Rs 120 X 2 = Rs 240
  • Paytm Movie savings is Rs 200 for one booking on spends on Rs 200
  • Total savings is Rs 440 on spends of Rs 1200

That is a savings of 36% on Swiggy and Paytm spending. Even if we do not spend on other categories and end up paying an annual fee, the card is still beneficial. So, I would say get this card if you can leverage it on Swiggy and Paytm to get the most benefit.

AU Bank Xcite Ace

Axis Bank MY Zone Credit Card

Card Maven

Axis Bank My Zone Credit Card LTF
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12 thoughts on “Axis Bank MY Zone Credit Card (Lifetime Free)”

  1. Shubham Jain

    I have a MyZone card with annual fees Rs 500. Is there a way I can get it converted to LTF?

    1. You can call them and say you want it as LTF or will close the card. They do it most of the times.

  2. Hi
    Now axis offers 3 credit cards(privilege,myxone and iocl) as life time free for limited period of time.i don’t have interest to take Indian oil as i already have hpcl co brand cc which feature is of no use to me.
    As i already said I’m a student with ICICI hpcl and Amazon pay credit cards
    Which one is these my zone or privilege have high chance for getting approved to me in c2c with no other documents like income or account opening. Or can I try axis fk or au swipe up for LTF.
    Please guide me

      1. Thanks for the reply again i will give a try
        If you give reviews of xcite cards it will be easy to select one hope it’s in final stage as you said earlier

  3. Accurate review. Super!!
    The review contains all important points that are required to take a decision.
    By any chance, have the AXIS changed the Annual renewal fee waiver policy?

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