AXIS
Axis Bank My Zone Credit Card
Good fit when rewards, fees, and forex fit your spend pattern — ₹500 annual fee.
Top reasons to choose this card
- 4 domestic lounge visits, spend-gated
What you'd do with it
- Works when a ₹500 annual fee is acceptable for the accelerated earn rates.
- Limited lounge access 1 per quarter domestic lounge
Annual fee ₹500 per year
Forex markup 3.5% high
Lounge access 1 per quarter
Rewards / ₹100 2 pts ₹100
The catch Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months. Domestic lounge cap is 4 visits per year.
- Waiver condition missing
- Annual fee known
- Forex markup known
- 1 per quarter domestic lounge
- Airport lounge list may change
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹500 lower than 62 of 112 cards
- Joining fee
- ₹500
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- 1 per quarter domestic lounge
- Reward rate
- 2 pts / ₹100
Fit data not yet captured for this card.
Still worth it?
Evidence-backed snapshotGood fit if
- Annual fee is relatively low at ₹500.
- 1 per quarter domestic lounge
Verify before applying
- Annual fee known
- Waiver condition missing
- Forex markup known
- 1 per quarter domestic lounge
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: 1 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Next best move
Compare with HDFC Bank Millennia Similar tier comparison Best Axis Bank credit cards See how this card compares within AXIS. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.
Is this good for lounge access?
1 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Lounge access spend gate₹50,000period not specifiedLounge eligibilitytrivialstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Reward reality
Point value · limits · exclusionsVerified value₹0.2 per pointCatalogue
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
General spend2 pts / ₹1004 EDGE REWARD points per ₹200 (= 2/₹100). Excluded: Utility & Telecom, Rent, …—
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter — via Axis Bank lounge programme · verified 7 Jul 2026 Condition: ₹50,000 spend in the previous 3 calendar months
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- Not included International details not available.
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Axis domestic lounge program
- Axis domestic lounge program
Rewards
- Points per ₹100
- 2 pts value depends on redemption
- Headline point value
- ₹0.20 per Reward Point (Catalogue) · verified 7 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Redemption value
- You earn
- Reward Points
- Catalogue
- ₹0.20 per Reward Point · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹500
- Joining fee
- ₹500 · verified 7 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
3 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Mid-tier
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹500 per statement cycle.
- Fuel transactions do not earn reward points.
Annual fee break-even math
When does this card pay for itself ₹1.3L Break-even using base rewards to offset ₹500 fee
Base rewards only: at base earn rates, you need roughly ₹1.3L in yearly spend to offset the ₹500 annual fee.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Annual fee: ₹500.
- Forex markup currently listed at 3.5%.
- 1 per quarter domestic lounge.