Axis MyZone Credit Card

About Axis MyZone Credit Card

Are you tired of paying full price for your weekend movie tickets or annual OTT subscriptions? The Axis MyZone Credit Card is designed to put those expenses back into your pocket.

This card offers a Lifetime Free experience, meaning you pay zero joining or annual fees while accessing premium perks. You can save over ₹10,000 annually if you frequently order from Swiggy, shop on AJIO, or spend your Friday nights at the cinema. It is a straightforward entry level card that prioritizes lifestyle rewards over complex point systems.

Built for young professionals and digital natives earning at least ₹25,000 monthly, this card bridges the gap between everyday spending and luxury. Whether you are a binge watcher or a foodie, the benefits are practical and easy to use in your daily routine.

What sets it apart:

• • Zero Cost Ownership: Unlike many competitors that charge ₹500 annually, this card is currently Lifetime Free.
• • Entertainment Heavy: You get a SonyLIV Premium annual subscription worth ₹1,499 just for making your first transaction.
• • Foodie Friendly: Enjoy flat discounts on Swiggy twice a month, which beats the usual 1% reward rate on other basic cards.

Quick check: To qualify, you need a monthly income of ₹25,000 and a credit score of 735 or higher.

Let's break down why this card stands out in the crowded budget segment:

Key Benefits and Features of Axis MyZone Credit Card

The Axis MyZone Credit Card is packed with lifestyle features that cater to entertainment, dining, and shopping. Here is a detailed look at how you can maximize these benefits:

Welcome Benefits and Annual Subscriptions

The moment you get your card, you are greeted with high value perks. By making just one transaction within the first 30 days of getting the card, you get a complimentary SonyLIV Premium annual subscription worth ₹1,499. This is a massive win for those who follow web series or sports, as it covers your entertainment cost for the entire year for free.

Additionally, you get a flat ₹1,000 discount on AJIO when you spend a minimum of ₹2,999. This effectively brings your shopping bill down significantly, making it an excellent card for refreshing your wardrobe.

Movie and Entertainment Perks

If you enjoy the big screen experience, the movie benefit is a standout feature. When you book tickets through the District app, you get a 100% discount on the second movie ticket. This offer is capped at ₹200 per month. To use this, simply apply the promo code AXIS200 during your checkout. Even if you go to the movies just once a month, you are looking at an annual saving of ₹2,400.

Dining and Food Delivery Offers

For those who prefer eating in, the Swiggy partnership is very lucrative. You get ₹120 off on Swiggy orders above ₹500, and you can use this offer twice every month. This translates to ₹240 in monthly savings or ₹2,880 annually.

If you prefer dining out, the Axis Bank Dining Delights program offers up to 15% off at partner restaurants across India. The maximum discount you can get is ₹500 per month on a minimum order value of ₹2,500. This is a great way to save on family dinners or weekend outings.

Travel and Airport Lounge Access

While many entry level cards have removed lounge benefits, the Axis MyZone Credit Card still offers 1 complimentary domestic airport lounge access per quarter. This is a rare find for a Lifetime Free card. It ensures that your travel experience is more comfortable without any extra cost, provided you visit at least four times a year.

Reward Points Structure

Every time you swipe your card for eligible spends, you earn EDGE Reward points. You get 4 reward points for every ₹200 spent. Given that 1 reward point is equal to ₹0.25, your effective reward rate is 0.5%. These points can be redeemed through the Axis Bank EDGE Rewards catalogue for a variety of products and vouchers.

Fuel Surcharge Waiver

You can save on your commute with a 1% fuel surcharge waiver. This applies to transactions between ₹400 and ₹4,000. The maximum waiver is capped at ₹400 per month, which is quite generous for a basic card.

Fees, Eligibility, and Requirements

One of the biggest draws of this card is the fee structure. There is no joining fee and no annual fee, making it a Lifetime Free card. This removes the pressure of having to spend a certain amount just to justify the card's cost.

Eligibility Criteria:

• • Age: You should be between 21 and 65 years old.
• • Salaried Income: A minimum salary of ₹25,000 per month (3 LPA) is required.
• • Self-Employed Income: While the bank asks for 4 LPA, a documented income of ₹3.6 LPA ensures better approval rates.
• • Credit Score: A CRIF or CIBIL score of 735 or above is required for a smooth application process.

How to Apply?

The application process for the Axis MyZone Credit Card is simple and can be completed entirely online. Follow these steps to get started:

1. Go to the official Axis Bank website or a trusted partner platform like BankKaro.
2. Locate the Axis MyZone Credit Card and click on the "Apply Now" button.
3. Fill in your mobile number and PAN details to check your initial eligibility.
4. Enter your personal details including name, email, and current residential address.
5. Step 5: Ensure you meet the minimum income requirement of ₹25,000 per month before proceeding to the employment details section.
6. Complete the Video KYC (VKYC) process. Make sure you are within 50km of your Aadhaar or communication address during this step, as applications outside this radius are typically rejected.
7. Once verified, the bank will process your application. You can track your status using the application ID generated.

The application processing timeline is 7-10 working days after successful verification.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and existing banking relationship. Limits typically range from ₹40,000 to ₹1,50,000 depending on your profile strength. First-time cardholders with a salary of ₹25,000 can expect a starting limit that allows for comfortable monthly spending on groceries, dining, and movies. If you maintain a good repayment record and a high CIBIL score, the bank offers a limit increase after 6-12 months of usage.

Comparison Table

To help you decide, here is how the Axis MyZone compares to other popular entry level cards in the market:

If you are looking for a card that offers immediate tangible value through subscriptions and movie tickets without any annual cost, the Axis MyZone is the clear winner. However, if your spending is heavily concentrated on Amazon or Flipkart, the SBI SimplyClick or HDFC MoneyBack+ might offer better reward points despite their annual fees.

Documents Required for Axis MyZone Credit Card Application

You will need to submit the following documents when applying:

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
• 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 with computation of income, 6 months' bank statements, and CA-certified financials
• 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 during verification.

Who Should Get This Card?

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

The Weekend Moviegoer: If you are someone who heads to the cinema at least once a month with a friend, this card is a no-brainer. By using the "Buy 1 Get 1" offer on the District app, you save up to ₹200 every month. That is ₹2,400 saved annually on just movies.

The Solo Dweller/Foodie: If you spend around ₹4,000-5,000 monthly on Swiggy, this card is perfect. By timing your orders to be above ₹500, you can save ₹240 every month. Combined with the free SonyLIV subscription, your Friday night "dinner and a show" routine is effectively subsidized by the bank.

The First-Time Card User: If you earn ₹30,000 monthly and want your first credit card to be "safe," the Lifetime Free nature of this card means you won't ever lose money on fees. It is a great way to build your CIBIL score while enjoying premium perks like lounge access.

You might want to skip this card if:

• • Your monthly spending is very high (above ₹50,000) and you want better reward points (the 0.5% rate here is low).
• • You do not use Swiggy, AJIO, or SonyLIV, as the core value of this card lies in these specific partnerships.

BankKaro Expert Review

Based on the card's features, the Axis MyZone Credit Card excels at providing high upfront value for lifestyle spending. In my experience reviewing entry level cards, it is rare to see a Lifetime Free card that bundles a ₹1,499 subscription and quarterly lounge access. This makes it a high-utility card for someone starting their financial journey.

The biggest limitation is the extensive list of reward exclusions. You won't earn points on rent, utilities, insurance, or fuel. Furthermore, the base reward rate of 0.5% is quite lackluster compared to cashback cards like the Axis ACE or Amazon Pay ICICI. If you are looking for a card to maximize rewards on every single rupee spent, this isn't it.

Our verdict: Choose this card if you want a "secondary" card specifically for Swiggy, movies, and lounge access without the headache of annual fees. It is an effortless way to save roughly ₹8,000-10,000 a year on lifestyle expenses with zero maintenance cost.

Terms and Conditions

Please take note of these specific terms associated with the Axis MyZone Credit Card:

• If you are currently using or have previously used any Axis Credit Card, you are not eligible for the rewards associated with this application.
• There are no rewards provided on the Axis Neo Credit Card.
• If you apply for a different card after being redirected, you will only be eligible for the rewards applicable to that specific card.
• The tracking time for your application is 72 hours after the Application ID is generated.
• The confirmation timeline for rewards is within 75 days of card activation.
• You must make a minimum transaction of ₹100 within 30 days to activate the card, otherwise, the bank will close the account.
• Performing VKYC more than 50km away from your Aadhaar or communication address will result in application rejection.
• Rewards are not applicable for applications made directly through the Axis Bank App.