Axis MyZone Credit Card

About Axis MyZone Credit Card

Are you spending thousands every month on Swiggy orders and OTT subscriptions without getting anything back? The Axis MyZone Credit Card is designed to change that. While most entry-level cards offer generic reward points that take forever to accumulate, this card focuses on where young professionals actually spend: food, movies, and entertainment.

This card offers immediate value through its lifestyle perks. Think of it as a card that pays for your weekend entertainment. With a 100% discount on your second movie ticket and a complimentary annual SonyLIV subscription, you can save over ₹3,000 in your first year just on entertainment alone. It is a straightforward, low-stress card for those who want tangible perks rather than complex math.

Built for first-time earners and young professionals earning at least ₹25,000 per month, the Axis MyZone Credit Card cuts through the clutter of high-fee cards. It is currently offered as a Lifetime Free card, meaning you get all these premium lifestyle benefits without the burden of an annual fee or renewal charges.

What sets it apart:

• Instant Entertainment: Unlike many competitors that offer points, this card gives you a SonyLIV Premium annual subscription worth ₹1,499 as a welcome gift.
• Double Dining Rewards: Get ₹120 off on Swiggy twice every month. Most entry-level cards only offer 1% or 2% cashback, which rarely adds up to this much.
• Zero Cost Ownership: This is a Lifetime Free card, which is rare for a product that offers domestic airport lounge access and significant movie discounts.

Quick check: To qualify for this card, you should ideally be between 21-65 years old with a monthly income of ₹25,000 and a credit score (CRIF) above 735.

Let's break down why this card deserves a permanent spot in your wallet:

Key Benefits & Features of Axis MyZone Credit Card

The Axis MyZone Credit Card is packed with features that cater to a modern lifestyle. From your morning fashion fix on AJIO to your late-night movie bookings, here is how this card adds value to your daily life.

Welcome Benefits: Entertainment and Fashion

The card starts delivering value the moment you receive it. Once you make your first transaction within the first 30 days of getting the card, you receive a SonyLIV Premium annual subscription. This is worth ₹1,499 and gives you access to premium sports, web series, and movies for a full year.

Additionally, fashion enthusiasts can use the AJIO welcome offer. You get a flat ₹1,000 off on your purchases when you spend at least ₹2,999. This is a massive 33% effective discount on top of existing AJIO deals, making it one of the better fashion perks in the entry-level segment.

Dining and Food Delivery Perks

If you find yourself ordering from Swiggy frequently, this card is a powerhouse. You can get ₹120 off on your Swiggy orders twice every month. The only condition is that your order value must be above ₹500. This translates to annual savings of ₹2,880 just on food delivery.

For those who prefer dining out, the Axis Bank Dining Delights program offers up to 15% off at partner restaurants across India. You can save up to ₹500 per month on dining bills, provided your minimum order value is ₹2,500. It is a great way to make those weekend dinners with friends more affordable.

Movie Benefits with the District App

Movie buffs can take advantage of the Buy One Get One (BOGO) offer. When you book movie tickets through the District app, you get a 100% discount on the second ticket. This discount is capped at ₹200 per month. Simply use the promo code AXIS200 during checkout to avail of this benefit. Over a year, this can save you another ₹2,400 on cinema outings.

Airport Lounge Access

While many budget cards have stripped away travel perks, the Axis MyZone Credit Card still offers 1 complimentary domestic airport lounge access per calendar quarter. This means you can enjoy a comfortable stay, snacks, and Wi-Fi at airports four times a year for free. It is a significant advantage for occasional domestic travelers who do not want to pay a high annual fee for a travel-specific card.

Reward Points System

For all other spends, you earn EDGE Reward points. Every 1 reward point is valued at ₹0.25. These points can be redeemed through the Axis Bank EDGE Rewards catalogue for various products and vouchers. However, keep in mind that certain transactions like fuel, insurance, utilities, and rent payments do not earn reward points. It is best to use this card for shopping, dining, and entertainment to maximize your earnings.

Fees, Waivers, and Eligibility

The most attractive feature of the Axis MyZone Credit Card is the fee structure. It is a Lifetime Free (LTF) card. This means there is no joining fee and no annual renewal fee. You get all the benefits mentioned above without having to worry about hitting a specific spending milestone to waive off charges.

To apply, you need to meet these criteria:

• Age: 21-65 years for both salaried and self-employed individuals.
• Income (Salaried): Minimum ₹25,000 per month (or 3 LPA) for a better chance of approval.
• Income (Self-Employed): A salary of 3.6 LPA is recommended, though the bank officially asks for an annual income of 4 LPA for business owners.
• Credit Score: A CRIF score of 735 or higher is ideal.

How to Apply for Axis MyZone Credit Card?

The application process is simple and can be completed entirely online. Follow these steps to get started:

1. Step 1: Visit the official Axis Bank website or a trusted partner platform and navigate to the credit cards section.
2. Step 2: Locate the MyZone Credit Card and click on the "Apply Now" button.
3. Step 3: Fill in your mobile number and basic details like PAN card and Pin Code. Ensure you meet the minimum income of ₹25,000 per month before proceeding.
4. Step 4: Enter your professional details, including your employer name or business type. Self-employed individuals should ensure their annual income is reflected correctly as per their ITR.
5. Step 5: Complete the Video KYC (VKYC) process. Make sure you are at your communication or Aadhaar address during this process, as doing it from more than 50km away may lead to rejection.
6. Step 6: Submit the application. You will receive an application ID to track your status.

The bank takes 3 to 5 working days to process the application. Once approved, the physical card is delivered to your registered address within 7-10 working days. Remember to make a transaction of at least ₹100 within the first 30 days to keep the card active and trigger your SonyLIV welcome benefit.

Credit Limit & What to Expect

Credit limits for the Axis MyZone Credit Card are assigned based on your income, credit score, and existing banking relationship. Most applicants receive a limit ranging from 1.5x to 3x their monthly income.

For an entry-level card like MyZone, users with a monthly income of ₹25,000 receive a starting limit between ₹30,000 to ₹75,000. If you have a high CRIF score above 750 or an existing relationship with Axis Bank (like a salary account), you qualify for a higher limit. Axis Bank reviews credit limits every 6-12 months, and you are eligible for an increase if you pay your bills on time and keep your credit utilization low.

Axis MyZone Credit Card Comparison Table

To understand where the Axis MyZone stands, we compared it with other popular entry-level cards in the Indian market. While some cards focus on pure cashback, MyZone remains the king of lifestyle perks.

If you want a card that pays for your entertainment without costing you a single rupee in fees, Axis MyZone is the clear winner. While the HDFC Swiggy card offers higher cashback on food, it comes with an annual fee. For someone who wants a "set it and forget it" card with zero maintenance cost, MyZone offers better overall value through its BOGO movie tickets and SonyLIV subscription.

Documents Required for Axis MyZone Credit Card Application

You'll need to submit the following documents when applying to ensure a smooth verification process:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credits
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income, and 6 months' bank statements
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents or perform a physical verification of your office or residence during the approval process.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the Axis MyZone Credit Card:

The Weekend Movie-Goer: If you and a friend or partner watch at least one movie a month in theaters, this card is for you. By using the BOGO offer on the District app, you save ₹200 every month. That is ₹2,400 a year back in your pocket for doing something you already love.

The Late-Night Foodie: If you order from Swiggy on weekends, the ₹120 discount twice a month is incredibly easy to hit. For a professional living in a metro city, two orders of ₹500+ is a standard spending pattern. This benefit alone covers your occasional delivery cravings while saving you nearly ₹3,000 annually.

The OTT Binge-Watcher: If you are already paying for SonyLIV to watch cricket or your favorite shows, this card pays for itself on day one. By getting the annual subscription for free, you save ₹1,499 immediately. This makes it an excellent choice for college graduates or young professionals who want to cut down on subscription costs.

You might want to skip this card if...

• Your monthly income is significantly higher and you want luxury travel benefits like international lounge access or air miles.
• You do a lot of grocery shopping or utility bill payments, as these categories are excluded from reward points on this card.
• You prefer direct cashback over merchant-specific discounts and OTT subscriptions.

BankKaro Expert Review

Based on the card's features, the Axis MyZone Credit Card excels at being a "starter card" that doesn't feel like one. Most free cards offer very little in terms of lifestyle perks, but MyZone manages to pack in movies, food delivery, and airport lounge access. The fact that it is currently Lifetime Free makes it one of the most competitive products for anyone just starting their credit journey.

The biggest limitation is the reward structure for general spends. At 1 point per ₹0.25, the reward rate is quite low compared to pure cashback cards. Furthermore, the list of exclusions is long; you won't earn points on fuel, rent, utilities, or insurance. This isn't a card you use for every single expense. Instead, it's a card you use strategically for its specific partner offers.

Our verdict: Choose this card if you want a zero-cost lifestyle card that provides immediate, tangible value through entertainment and food. It is perfect for those who want to enjoy the perks of a credit card without the pressure of meeting annual spend targets. However, if you are a high spender looking for comprehensive rewards across all categories, you may find the exclusions limiting.

Terms and Conditions

Before applying, keep these specific terms and conditions in mind to ensure you receive your rewards and benefits:

• If you were or are already using any Axis Bank Credit Card, you are not eligible for the promotional rewards related to this application.
• If you apply for a different card after being redirected, you will be eligible for the rewards rates applicable to that specific card, not the MyZone rates.
• There are no rewards provided if you apply for or are issued an Axis Neo Credit Card.
• Tracking Time: It takes approximately 72 hours after your Application ID is generated for the system to track your application.
• Confirmation Timeline: Rewards or card activation benefits are confirmed within 75 days of card activation.
• Minimum Transaction: You must perform a transaction of at least ₹100 within 30 days of card issuance, otherwise the card will be closed as per regulatory guidelines.
• VKYC Location: If your Video KYC is performed from a location more than 50km away from your Aadhaar or communication address, your application may be rejected and rewards lost.
• Axis Bank App: Applications made directly through the Axis Bank App are not eligible for certain promotional rewards.

The complete and binding terms and conditions are available on the official Axis Bank website.