Axis Bank MyZone Credit Card
MyZone sits at the entry end of Axis's lineup with a ₹500 fee, and the appeal has nothing to do with its reward rate — a flat 4 EDGE points per ₹200 works out to about 0.4% back on every purchase. What draws people in instead is the perk stack: a free SonyLIV Premium subscription (worth around ₹1,499) the moment you make your first purchase within 30 days of getting the card, though since April 2026 the anniversary spend milestone of ₹1.5 lakh pays out 1,000 EDGE points rather than renewing that subscription. There's also a buy-one-get-one movie ticket deal through District, capped at ₹200 off monthly with code AXIS200, and ₹120 off Swiggy orders above ₹500, usable twice a month with code AXIS120. Spend ₹50,000 across the prior three months and you unlock one domestic lounge visit per quarter. There's no way to spend your way out of the ₹500 fee — Axis simply doesn't publish a waiver threshold for this card — so it renews annually unless you happened to get it lifetime-free through a promotional channel. Anyone chasing pure cashback should look at Axis ACE instead; MyZone makes sense specifically if you'll actually use the SonyLIV and cinema perks.
Key features
What this card is built to do — the highlights that actually matter.
0.4% on Other
Flat 4 EDGE Reward Points per ₹200 (~0.4%) on all spends
️ Airport Lounge Access
1 complimentary visits per quarter at domestic and international airport lounges
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹400/month
Movie Ticket Benefit
Buy-one-get-one-free on movie tickets every month via District by Zomato
OTT Subscription
Complimentary SonyLIV Premium membership (worth ₹1,499) on your first spend within 30 days of issuance. Since April 2026 it is a one-off — the anniversary milestone no longer renews it
Milestone Bonus
~₹200 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.4% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹400 |
Perks & benefits
The non-reward value this card delivers, roughly ₹6,459 a year altogether.
cobranded ott ~ ₹1,499 /yr
Complimentary SonyLIV Premium membership (worth ₹1,499) on your first spend within 30 days of issuance. Since April 2026 it is a one-off — the anniversary milestone no longer renews it
milestone bonus ~ ₹200 /yr
1,000 EDGE Reward Points (≈₹200) on ₹1.5 lakh of spend in a card anniversary year, which replaced the SonyLIV renewal in April 2026. Excluded categories do not count towards the ₹1.5 lakh
fuel waiver ~ ₹360 /yr
1% fuel surcharge refund on fuel transactions of ₹400 to ₹4,000, capped at ₹400 a statement cycle. Axis prices it at ₹360 a year on its own value chart, assuming ₹3,000 of fuel a month
️ lounge access ~ ₹2,000 /yr
1 complimentary domestic airport lounge visit a quarter on spending ₹50,000 in the previous 3 months
movie ticket ~ ₹2,400 /yr
Buy-one-get-one-free on movie tickets every month via District by Zomato
Spend milestone
· ₹1,50,000 a year ₹200 of value
Should you get it?
Best for: Entertainment-led users who want OTT and movie benefits cheaply, First-time cardholders wanting a low-cost lifestyle card
An entry-level pick, well suited to first-time cardholders and lower spenders.
You get the most value from it if a good share of your spend falls under Other , where it returns 0.4% .
Regular travellers also pick up something extra from the included airport lounge access.
✓ Pros
- Complimentary SonyLIV Premium membership after your first spend within 30 days
- Buy-one-get-one-free District movie tickets every month, worth up to ₹200 off
- Flat ₹120 off Swiggy orders of ₹500 or more, twice a month with code AXIS120
- 7% off flights (up to ₹2,000) and 18% off hotels (up to ₹4,000) on Cleartrip
- 1% fuel surcharge refund on ₹400–₹4,000 transactions, capped at ₹400 per statement cycle
- Often obtainable lifetime-free through select channels
✕ Cons
- A low 0.4% base reward rate
- No spend-based annual fee waiver — Axis doesn't publish one, so the ₹500 fee applies every year
- Lounge access requires ₹50,000 of spend in the prior quarter
- The real value here comes from the OTT and movie perks rather than points
- From 1 November 2026, the District buy-one-get-one offer requires ₹25,000 of spend in the previous 3 months
Eligibility & documents
Age
18 –70 years
Min. income
₹15,000 /mo
How to redeem rewards
How to turn your earned points into value.
🎁 Redeem EDGE Reward Points on the Axis EDGE portal for vouchers and products
What your Axis EDGE Reward Points are worth
What each point is actually worth depends on the redemption route — here's where the value gets left on the table.
EDGE Rewards cashback BEST Standard EDGE Reward Points
EDGE Rewards vouchers BEST Gift-voucher catalogue
Travel EDGE portal BEST Flights & hotels
The concern Axis ACE charges almost the same fee, at ₹499, and delivers clearly better cashback across the board — MyZone's case rests entirely on whether you'll use its movie and dining offers.
The bottom line
Think of MyZone as a perks card rather than a rewards card — the flat ~0.4% earn rate won't impress anyone, but between the SonyLIV Premium membership and the movie buy-one-get-one deal, the ₹500 fee can pay for itself if you'd genuinely use those extras. If entertainment perks don't appeal, Axis ACE is the stronger pick in the same ₹499 price bracket.
Sources & verification
Fees, reward rates, and benefits for the Axis Bank MyZone Credit Card are taken from Axis Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 13 Aug 2026 . Reviewed by SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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