AXIS

Axis Bank My Zone Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

Should you get this?

Conditional fit

Some details need issuer confirmation

Why this card

  • Low annual fee of ₹500.
  • Published base rewards of 2 EDGE Reward Points / ₹100.
Issuer evidence · 4 sources →

Trade-off

Domestic lounge access is 1 per quarter, subject to ₹50,000 spend across the previous three calendar months.

Annual fee ₹500 per year
Rewards 2 EDGE Reward Points / ₹100
Lounge access 1 1/qtr domestic · ₹50k/3mo spend
Forex markup 3.5% high
Compare with HDFC Bank Millennia →

Similar tier comparison

Rewards

Rewards programme: · Currency: EDGE Reward Points are distinct from EDGE Miles earned by Atlas and Horizon.

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend2 EDGE Reward Points / ₹100Credited as reward pointsNot stated

Redemption value

What an EDGE Reward Point is worth

  1. Catalogue₹0.2 / pt

When does this card pay for itself?

Rewards break-even estimate
₹1.3L

Conservative yearly spend needed at the ₹0.20-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

2 per ₹100 on eligible spend

Verified value

₹0.2 per point

Catalogue

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Domestic lounge spend gate₹50,000previous three calendar monthsLounge eligibility

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ~1,000 EDGE Reward Points/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
  • Worth ~₹200 at the conservative redemption floor
  • Annual-fee waiver not offered by issuer
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Yes — with a spending condition. 1 per quarter domestic.

Conditional access
Domestic
1 per quarter Lounge programme not verified
International
International lounge access not verified
Spend condition
Spend ₹50,000 across the previous three calendar months to unlock that quarter’s visit.
Who can use it
Primary cardholder eligibility is established. Supplementary-cardholder eligibility could not be verified. Guest eligibility could not be verified.
Evidence
Issuer-anchored Confirmed against issuer or lounge-operator evidence.
Where to verify
What we couldn’t verify
  • International lounge access
  • Supplementary-cardholder eligibility
  • Guest eligibility

Rewards

Points per ₹100
2 per ₹100 value depends on redemption
Effective return (honest floor)
~0.4% base (conservative redemption) · verified 7 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.20 per (Catalogue) · verified 7 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹500
Joining fee
₹500 · verified 7 Jul 2026
Annual-fee waiver
Not offered
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹500–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹4,000.
  • Maximum waiver ₹500 per month.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

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The fine print

Caps · exclusions · earning · redemption · last refresh
Exclusions: 17

These spends do not earn reward points.

Payments

  • Rent
  • Government payments

Financial

  • Fuel
  • Wallet loads
  • Insurance premiums
  • Cash advances

Utilities

  • Utilities

Other

  • Taxes
  • Forex markup
  • DCC
  • Late fee
  • Debit Interest
  • Cheque bounce fee
  • Telecom
  • Gold
  • Jewellery
  • Repayments

Latest update

  • Annual fee: ₹500.
  • Forex markup currently listed at 3.5%.
  • Domestic lounge: 1 per quarter. Spend ₹50,000 across the previous three calendar months to unlock that quarter’s visit.

Common questions

From verified card facts

Is this good for lounge access?

Yes — with a spending condition. 1 per quarter domestic. Spend ₹50,000 across the previous three calendar months to unlock that quarter’s visit.

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?

₹500 every year. The issuer does not offer an annual-fee waiver.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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