If you’re new to credit cards and looking for an affordable option with exciting benefits, the Axis Bank MY Zone Credit Card is worth considering. With a low annual fee, easy approval process, and exclusive discounts on Swiggy, Zomato District, and AJIO, this entry-level card is ideal for those who want to maximize savings on everyday spending.
While its EDGE Rewards earning rate is modest, the real value of this card lies in its merchant offers and perks like complimentary airport lounge access (subject to spending conditions) and SonyLiv premium subscription on meeting annual spend criteria. If you frequently order from Swiggy, book movies via Zomato District, or shop on AJIO, this card can offer significant savings—making it a great choice for the right user.
Read on to explore the detailed benefits, rewards, and fees associated with the Axis Bank MY Zone Credit Card.
Fees
| Joining Fee | |
| Welcome Benefit | SonyLiv Premium Annual Subscription on the first spend within 30 days |
| Annual Fee | |
| Renewal Benefit | SonyLiv Premium Annual Subscription if annual spends are more than ₹1.5 Lakh |
| Annual Fee Waiver | Not Applicable |
Axis Bank MY Zone Credit Card Rewards
The Axis Bank MY Zone Credit Card offers rewards and benefits primarily for select merchants like Swiggy, Zomato District, and AJIO. However, the EDGE Rewards earn rate is relatively low, making the card valuable only if you maximize these merchant-specific offers.
| Rewards | 4 EDGE Reward Points/₹200 |
| EDGE Reward Points Value | 20 paise/point |
Axis Bank My Zone credit card will not earn any EDGE Rewards for the below categories:
- Fuel
- Rent
- Utilities
- Educational
- Government Institutions
- Insurance
- Jewelery
- Wallet
Rewards Redemption
The rewards can be redeemed from the Axis Bank EDGE Rewards Portal. Each EDGE RP is worth Rs 20 paise for these redemption options. We have Amazon and Flipkart gift vouchers for redemption.
Partner Benefits
Swiggy and Zomato District are good offers that will be useful for most people.
| Merchant | Offer | Max Discount | Min Order | Max Usage |
|---|---|---|---|---|
| Swiggy | Flat ₹120 off | ₹120 | ₹500 | 2/month |
| Zomato District | Buy One Get One | ₹200 | None | 1/month |
| AJIO – Select Styles | ₹1000 off | ₹1000 | ₹2999 | No Cap |
Other Benefits
- SonyLiv premium annual subscription renewal on spends of ₹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 ₹400 and ₹5000. Maximum of ₹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.
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.
Axis Bank My Zone credit card has a minimum spends requirement to get complimentary airport lounge access. We now need spends of ₹50,000 over a rolling period of last 3 calendar months to get complimentary airport lounge access. For example, if you need to access the airport lounge on 10th of March, then you should have spent Rs 50,000 in the period from 1st of December to 28th of February.
Final Thoughts
The Axis Bank MY Zone Credit Card may not have the best EDGE Rewards, but it offers valuable savings on everyday spending.
For example, if you order from Swiggy four times and book a movie ticket via Zomato District in a month:
- Swiggy Spend: ₹500 × 2 = ₹1,000
- Swiggy Savings: ₹120 × 2 = ₹240
- Zomato District Savings: ₹200 on one booking (₹200 spend)
- Total Savings: ₹440 on a ₹1,200 spend
- Effective Savings Rate: 36% on Swiggy & Zomato District
Even with the annual fee, the card remains highly beneficial if you maximize these partner offers. If you frequently use Swiggy, Zomato District, and Paytm Movies, this card can provide significant value.
Axis Bank MY Zone Credit Card
14 thoughts on “Axis Bank MY Zone Credit Card Review (Lifetime Free)”
is this still LTF?
shows ltf on this website banner ad, but on axis website its not ltf
No, it is not LTF anymore. That offer has ended. Only Axis Neo is offered LTF for now.
I have axis bank flipkart CC as LTF, and all the time My Zone card gets rejected
Hey,
Just an update
Swiggy MyZone minimum order has been changed from 200 to 500
Thanks Alok. The update was pending. It is done now.
I have a MyZone card with annual fees Rs 500. Is there a way I can get it converted to LTF?
You can call them and say you want it as LTF or will close the card. They do it most of the times.
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
AU SwipeUp will have highest approval chances IMO.
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
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?
You can call them up. They are making MyZone cards as LTF nowadays.
IS this swiggy offer on swiggy food or instamart or on both?
Swiggy Food