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Axis Bank My Zone
Axis • Visa

Axis Bank My Zone

Offer-led lifestyle card with movie, streaming and food-delivery benefits plus EDGE Rewards on regular spends.

Annual Fee₹500Waived on 2L spend
Base Reward0.5%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on 2L spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%
Dining
0.5%
Movies
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • My Zone is now best evaluated as an offer-bundle card, not as a reward-rate maximizer.
  • Entertainment benefits (movie + streaming) contribute a large part of total card value.
  • Users who do not redeem periodic offers may find lower net value than fee-neutral alternatives.

Best Utilization

  • Treat My Zone as a companion card for movie, Swiggy and lifestyle offers.
  • Use a stronger cashback card as primary for online/general spending.
  • Track annual milestone and offer renewals to ensure fee recovery.

Watchouts

  • Avoid ranking this card by headline offer value if you do not use those services monthly.
  • Offer constructs can be revised; verify current T&Cs before relying on old campaigns.
  • Base EDGE rewards alone are usually not enough to justify primary-card usage.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-11

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyMost high-value benefits are periodic offers and can change or expire
  • Last verified2026-02-11

Lounge Truth

  • NetworkVisa
  • Domestic count11
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows11
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days2
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart Axis Bank Credit Card

Annual fee: ₹500

Shared focus: Dining+31 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details
Step 2

Axis Bank Burgundy Private Credit Card

Annual fee: ₹0

Shared focus: LifestyleHigher product tier within same bank+9 more lounge visits in current dataset
View Details
Step 3

Airtel Axis Bank

Annual fee: ₹500

Shared focus: Lifestyle, DiningHigher top earn rate (25.0%)Estimated +₹12,000/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Axis Bank My Zone using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set A). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Spend threshold

Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Quarter / cycle rule

1 complimentary domestic lounge access per calendar quarter

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

11 airport lounge rows
View lounge map and location list11 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani Lounge*Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 100% discount on second movie ticket via District app under issuer terms
  • SonyLIV Premium annual membership offer for eligible cardholders
  • Flat ₹120 off on Swiggy on minimum order value, valid twice per month under current offer
  • 1 complimentary domestic lounge access per calendar quarter
  • 4 EDGE Reward points per ₹200 spent and milestone bonus on annual spend

Things to Consider

  • This is primarily an offer card; base reward earn on regular spends is modest
  • Most high-value benefits are periodic offers and can change or expire
  • Best value depends on using movie, Swiggy and streaming offers consistently

About Axis Bank My Zone

Axis Bank My Zone is a points card from Axis, best for users who value entertainment and offer-led savings over pure cashback rates. It is tagged under lifestyle, movies, dining, rewards categories in our database.

LifestyleMoviesDiningRewards

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Frequently asked questions

Is Axis Bank My Zone lifetime free?

It has an annual fee of ₹500. Waived on 2L spend

What rewards does Axis Bank My Zone offer?

Offer-led lifestyle card with movie, streaming and food-delivery benefits plus EDGE Rewards on regular spends.

Does Axis Bank My Zone include lounge access?

Axis Bank My Zone lists 11 lounge visits (11 domestic, 0 international).

Who should consider Axis Bank My Zone?

Users who value entertainment and offer-led savings over pure cashback rates

Where can I apply for Axis Bank My Zone?

Check the issuer website for application availability.