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Axis MyZone Credit Card

Annual fee₹500Waived on ₹1.5L spend

Rewards0.40%Assumes 1 EDGE REWARD Point = ₹0.20 (issuer worked example: 1495 pts = INR 299 at partner store; standard EDGE REWARD Point cashback value 0.20 Rupee/point in EDGE REWARDS FAQ)

Forex markup3.5%3.50% of the transaction value

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Welcome benefits

worth ₹1,499

Complimentary Sony LIV Premium annual subscription

Type: Ott Subscription
Trigger: within 30 days
Partner: SonyLIV
Validity: 365 days

Rewards

Base earn rate

Earn four EDGE REWARD points for every ₹200 spent using your credit card

EDGE REWARDS

Excludes: Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government, Emi

• Redemption fee: ₹99

Milestone benefits

You will be eligible to earn 1,000 EDGE REWARD Points on achieving annual spends of 1.5 lakhs in your card anniversary year. Applicable to customers onboarded from 1st April, 2025. Spends will be evaluated 60 days after your card anniversary date to ensure any reversals or cancellations are excluded. Eligible customers will be automatically credited with 1,000 EDGE REWARD Points within 90 days of achieving Milestone. Spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions will be excluded from the calculation. Customers are eligible for SonyLIV Premium membership renewal on spending 1.5 lakhs in a card anniversary year. Offer is applicable only on paid cards. Spends threshold will not include Rent and Wallet transactions. Applicable to customers onboarded before 31st March, 2025. Voucher codes for promotional offers will also be sent via SMS to eligible customers within 60 days after the payment of the annual fees.

Lounge access

Domestic

4visits / year

Max 1 per quarter
Requires ₹50,000 prior spend

VisaMastercard

Axis Bank Airport Lounge Access Program lounge programme →

International

Not included

Fees & charges

Joining fee: ₹500
Annual / renewal fee: ₹500
Annual fee waiver: On ₹1.5L spend
Add-on card fee: Nil
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% (Min. ₹500) of the cash amount
Overlimit fee: 2% of the payment amount subject to minimum of ₹500
Payment dishonour: ₹500
Forex markup: 3.50% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹750
Above ₹10,001	₹1,200

View official MITC →

Eligibility

Age: 18–70 years

Employment types

Resident IndianNRI

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Wednesday Delight offers - Beat the mid-week blues with exciting offers every Wednesday
Instant discount on Swiggy - Flat ₹120 off on food delivery. Use coupon code AXIS120. Maximum discount is capped at 120 per order. Offer applicable on minimum spends of ₹500. Customer can redeem the code upto 2 times a month per user ID on Swiggy
10% off on orders via Swiggy
10% off up to 1000 on Tira

No rewards on

Movie · Fuel · Insurance · Wallet · Rent · Utilities · Jewellery · Education · Government Institutions · Emi

Card management via Axis Bank Mobile App.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Dining weekend — 4% back

0% of spend100% of spend

Shopping weekend — 2% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.4% base rate.

Rewards / year

₹8,160

≈ 1.36% effective

Annual fee

₹0 (waived)

waived at ₹1,50,000/yr spend

Net steady-state return

+₹8,160/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹8,160 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹500

One-time welcome benefit — Complimentary Sony LIV Premium annual subscription historically offered; being discontinued from 1 Apr 2026 per issuer T&C revision. From 1 Apr 2026, 1,000 EDGE REWARD Points on ₹1.5 lakh annual spend replaces it.

Based on published rates as of 2026-08-07; assumes 1 EDGE REWARD Point = ₹0.20 (issuer worked example: 1495 pts = INR 299 at partner store; standard EDGE REWARD Point cashback value 0.20 Rupee/point in EDGE REWARDS FAQ). Rewards estimates, not guarantees.