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Axis Bank MyZone Credit Card
Axis • Visa

Axis Bank MyZone Credit Card

Earn rewards for everyday purchases with an Axis Myzone Credit Card. Enjoy cashback, discounts, exclusive offers on shopping, dining & more. Apply now!

Annual Fee₹500Check issuer terms
Base Reward0.5%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹1,900Based 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 fee₹500

Check issuer terms

Net value₹1,300

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Insights

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

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Insights

  • Axis Bank MyZone Credit Card is best positioned as a shopping + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 0.5% on base-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 11, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to shopping and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 500 and reduce allocation if annual net value weakens.

Watchouts

  • cashback realization depends on eligible spend classification and exclusions
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

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 thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

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

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports19
  • Approval reports11

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

Airtel Axis Bank

Annual fee: ₹500

Shared focus: Dining, ShoppingHigher top earn rate (25.0%)Estimated +₹10,700/yr value
View Details
Step 3

Airtel Axis Bank Credit Card

Annual fee: ₹500

Shared focus: DiningHigher top earn rate (25.0%)Estimated +₹19,532/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 MyZone Credit Card 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

Domestic lounge access is linked to card-wise quarterly/yearly limits.

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

  • Axis Bank MyZone Credit Card
  • Get 100% discount on the second movie ticket at Paytm Movies with your MY ZONE Credit Card

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About Axis Bank MyZone Credit Card

Axis Bank MyZone Credit Card is a cashback card from Axis, best for travel & lounge access. It is tagged under shopping, dining categories in our database.

ShoppingDining

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Frequently asked questions

Is Axis Bank MyZone Credit Card lifetime free?

It has an annual fee of ₹500. Check issuer terms

What rewards does Axis Bank MyZone Credit Card offer?

Earn rewards for everyday purchases with an Axis Myzone Credit Card. Enjoy cashback, discounts, exclusive offers on shopping, dining & more. Apply now!

Does Axis Bank MyZone Credit Card include lounge access?

Axis Bank MyZone Credit Card lists 11 lounge visits (11 domestic, 0 international).

Who should consider Axis Bank MyZone Credit Card?

Travel & lounge access

Where can I apply for Axis Bank MyZone Credit Card?

Check the issuer website for application availability.