This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same SonyLIV and movie perks and ₹500 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
Axis Bank MyZone Credit Card
An entry-level lifestyle card whose value is its perks, not its earn rate (a flat ~0.4%): a complimentary SonyLIV Premium membership worth ₹1,499 that alone outvalues the ₹500 fee, plus movie buy-one-get-one and dining/shopping offers. For pure everyday cashback the Axis ACE out-earns it for a rupee less — ₹499 against MyZone's ₹500, except the ACE's fee waives at ₹2 lakh of annual spend and MyZone's waives at nothing (the ACE is now closed to new applicants; if you're applying fresh, the still-open Axis SUPERMONEY is the closest everyday earner) — so the MyZone is a lifestyle pick, best for someone who'll actually use the OTT membership and entertainment offers.
Read the full review →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 domestic airport lounge visit a quarter on spending ₹50,000 in the previous 3 months
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
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
INCLUDED OTT SUBSCRIPTIONS
- Buy-one-get-one-free on movie tickets every month via District by Zomato
- Free OTT: SonyLIV
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
For OTT and movie-goers who want the SonyLIV membership and movie BOGO, not for anyone chasing a strong reward rate.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.4%2 pts/₹100 × ₹0.20 | — |
Other: Flat 4 EDGE Reward Points per ₹200 (~0.4%) on all spends
Earns nothing on: Rent · Wallet Loads · Fuel · Utility Bills · Government & Tax · Insurance · Education · EMI Conversions · Cash Advances · Gold and jewellery · Movie ticket transactions · Tolls & Road Fees · Gift Cards & Vouchers
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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
Estimated annual value beyond rewards — ~₹6,459/yr in total.
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
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
1 complimentary domestic airport lounge visit a quarter on spending ₹50,000 in the previous 3 months
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
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
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (0.4% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Complimentary SonyLIV Premium membership on your first spend within 30 days
- Buy-one-get-one-free movie tickets at District every month, up to ₹200 off
- Flat ₹120 off Swiggy twice a month on orders of ₹500 or more, with code AXIS120
- Flat 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 fuel spends, up to ₹400 a statement cycle
- Often available lifetime-free through select channels
✕ Cons
- Base reward rate is low (0.4%)
- No spend-based annual fee waiver — Axis publishes none, so the ₹500 is payable every year
- Lounge access needs ₹50,000 of prior-quarter spend
- Best value comes from the OTT and movie perks, not points
- From 1 November 2026 the District buy-one-get-one needs ₹25,000 of spend in the previous 3 months
Eligibility & documents
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem EDGE Reward Points on the Axis EDGE portal for vouchers and products
What your Axis EDGE Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard EDGE Reward Points
Gift-voucher catalogue
Flights & hotels
Axis ACE costs much the same at ₹499 and earns strictly better cashback — MyZone's case is limited to its movie/dining offers.
Frequently asked questions
What earns 4X EDGE points?
What is 1 EDGE point worth?
Is there lounge access?
Is there a spend-based annual fee waiver?
Is grocery included in the 4X?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the Axis Bank MyZone Credit Card changed over time?
Has the Axis Bank MyZone Credit Card been devalued recently?
When did the Axis Bank MyZone Credit Card's fees last change?
How did the Axis Bank MyZone Credit Card change in 2026?
The bottom line
MyZone is a benefits card, not a rewards card: at a flat ~0.4% the earn is forgettable, but the SonyLIV Premium membership and movie buy-one-get-one can outweigh the ₹500 fee if you'd use them. If you wouldn't, Axis ACE is the better ₹499-class pick.
How this page was built
Counted from this card’s own record: 1 earn rule, the spends listed as earning nothing and 5 recorded perks.
Last updated 11 Oct 2026.
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 updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor 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.
Compare head-to-head
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Guides and reviews related to this card.
Axis Bank MyZone Credit Card
An entry-level lifestyle card whose value is its perks, not its earn rate (a flat ~0.4%): a complimentary SonyLIV Premium membership worth ₹1,499 that alone outvalues the ₹500 fee, plus movie buy-one-get-one and dining/shopping offers. For pure everyday cashback the Axis ACE out-earns it for a rupee less — ₹499 against MyZone's ₹500, except the ACE's fee waives at ₹2 lakh of annual spend and MyZone's waives at nothing (the ACE is now closed to new applicants; if you're applying fresh, the still-open Axis SUPERMONEY is the closest everyday earner) — so the MyZone is a lifestyle pick, best for someone who'll actually use the OTT membership and entertainment offers.
Axis Bank Neo Credit Card
Built for someone at the very start of their credit journey — a fresh graduate or first-time earner wanting a cheap card with a few genuinely useful everyday perks, from a bank that publishes no income criterion for it. It won't scale with your income, and isn't supposed to: its job is to be a good first card and hand you off to something bigger in a year or two. On that narrow brief, one of the better options around.
Axis Bank Aura Credit Card
A wellness-first card that sold health services rather than rewards — complimentary doctor consultations, video fitness sessions, discounted health check-ups and a Decathlon welcome voucher, for a ₹749 fee. The reward rate was always thin at ~0.4%, and Axis has since closed it to new applicants; existing holders who use the health perks can keep it.
IKEA Family Axis Bank Credit Card
Withdrawn: Axis has removed the IKEA Family card from its line-up — the product page is gone and there is no way to apply, so this is now a guide for existing holders. It was a lifetime-free IKEA co-brand earning Axis EDGE Reward Points — 3 per ₹100 at IKEA, 2 per ₹100 on dining, 1 per ₹100 elsewhere — plus IKEA Family perks and low-cost EMI. The earn was always modest (EDGE points are worth ₹0.20), but with no fee it was all upside for a regular IKEA shopper.
Axis Bank Shoppers Stop Credit Card
A single-store loyalty card built on the Shoppers Stop First Citizen programme — 20 First Citizen points per ₹200 on Exclusive brands (5% at Axis's published ₹0.50/point), 12 per ₹200 on every other brand in store, 2 per ₹200 elsewhere, plus a ₹2,250 welcome voucher stack. The points redeem only at Shoppers Stop, so it's a companion card for genuine regulars, not a daily driver.
Flipkart Axis Bank Super Elite Credit Card
The Super Elite is the SuperCoins sibling of the Flipkart Axis card — 12 SuperCoins per ₹100 on Flipkart for Plus members (6 for non-Plus), 2 per ₹100 elsewhere, and welcome SuperCoins plus Lenskart/Gaana/YouTube trials. But the rewards are store credit, not cashback, there is no lounge access, and the top rate needs a paid Flipkart Plus membership.
Axis Bank Privilege Credit Card
A ₹1,500 mid-tier card that pairs a flat 1% EDGE earn with a big 10,000-point milestone at ₹2.5 lakh of annual spend and 2 domestic lounge visits a quarter. Clear the spends and it's a solid all-rounder; fall short and you're paying ₹1,500 for a plain 1% card with a steep ₹5 lakh fee-waiver bar.
Axis Bank ACE Credit Card
Axis has closed the ACE to new applicants, so this review is for the readers who already hold one, and for them it is still one of the best cashback cards in India: 5% back on Google Pay utility bills, 4% on Swiggy, Zomato and Ola, and an uncapped 1.5% on everything else, for a ₹499 annual fee that waives at ₹2 lakh of spend. It came through 2026's Axis devaluations untouched. Two catches for holders: the 5% and 4% share a ₹500 monthly cap, and you need an Android phone to unlock the 5%.
Axis Bank Rewards Credit Card
A ₹1,000 EDGE Reward Points card whose one real edge is 10X points at apparel and departmental stores, capped at roughly ₹7,000 of that spend a month. The base rate is a thin ~0.3% in value, so the card only makes sense if you'll consistently fill the 10X category cap; otherwise a stronger everyday earner is the smarter buy.
Axis Bank Airtel Credit Card
Once a near-no-brainer for Airtel households — 25% on Airtel bills, 10% on Swiggy and groceries, lounge access, and a ₹500 fee that the ₹2 lakh waiver usually cancelled. The April 2026 devaluation removed the lounge access, tied the bill cashback to your retail spend (so bills-only users now earn almost nothing), and swapped the Swiggy perk for capped Zomato/Blinkit value-back. Still worth holding for an active Airtel household; the brilliance has been clipped.
SBI Card PULSE
A genuinely empty niche, filled — one of the very few Indian cards built around health and fitness spending, paying 10X on pharmacy, dining, movies and sports, and bundling a Noise smartwatch SBI lists at ₹7,999, FITPASS PRO and Netmeds First, a bundle that more than covers the ₹1,769 all-in fee if you'd use it. For the Cult.fit-and-Netmeds demographic the math works cleanly. Outside the health categories it's an ordinary 0.5% card, and the bundled cover is travel and fraud protection, not health insurance.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · last change Nov 2026
2026
- ▼ BenefitEffective 1 Nov 2026
District movie buy-one-get-one becomes spend-gated
Available to every cardholder each month→Requires ₹25,000 of spend in the previous 3 months
From 1 November 2026 the MyZone buy-one-get-one movie offer at District is no longer unconditional — Axis requires ₹25,000 of spend in the previous three calendar months to qualify. The bar is waived for the month a card is issued plus the following three calendar months, but an upgrade between variants does not count as a new issuance. Only settled transactions count, and interest, fees, charges, reversals and refunds are excluded. This turns the card's signature entertainment perk into a spend-conditional one, in the same shape as the lounge gate added in 2024.
Verification: Axis Bank ↗ · Confidence: High
- ▼ BenefitObserved 29 Jul 2026 · Effective 1 Nov 2026
Movie offer now needs Rs 25,000 of spend in the previous 3 months
Movie offer available to every cardholder, no spend condition→Rs 25,000 of eligible spend in the preceding 3 calendar months
From 1 November 2026 the card's movie benefit becomes spend-gated: you need Rs 25,000 of eligible spend in the previous three calendar months to qualify. A newly issued card is exempt for its issuance month plus the following three calendar months — but an upgrade between variants does not count as a new card. Only settled transactions count, settlement can lag the transaction by up to five working days, and interest, fees, charges, reversals and refunds are all excluded. EMI transactions count only at the monthly instalment billed, not the full purchase value.
Verification: Axis Bank ↗ · Confidence: High
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
Dynamic currency conversion markup more than doubles to 3.5%
1.5% + GST→3.5% + GST
Axis Bank raised the dynamic currency conversion mark-up from 1.5% to 3.5% plus GST. DCC applies when an overseas merchant offers to bill you in rupees instead of the local currency, and it stacks on top of the usual foreign-currency mark-up. Declining the rupee option at the terminal and paying in the local currency avoids the charge entirely.
Verification: Axis Bank ↗ · Confidence: High
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
New top late-payment slab of Rs 1,300 above Rs 50,000
Rs 1,200 on any total payment due above Rs 10,000→Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank added a fifth late-payment slab. Everything up to Rs 50,000 is unchanged, but a total payment due of more than Rs 50,000 now attracts Rs 1,300 instead of Rs 1,200. The same notice fixes the order in which a payment is applied to the outstanding: fees and charges including taxes first, then EMIs, interest, purchases and cash advances.
Verification: Axis Bank ↗ · Confidence: High
- ▼ RewardObserved 29 Jul 2026 · Effective 28 Aug 2026
Tolls and road fees stop earning rewards; gift cards split into their own category
Bridge fees, road fees and tolls earned at the normal rate→No rewards or cashback on bridge fees, road fees and tolls
Axis Bank added bridge fees, road fees and tolls to the spends that earn nothing. Separately, gift card purchases move out of the Wallet spend category into a new Gift Card category; they already earned no rewards, and they continue to be excluded from spend-based fee waivers and milestone thresholds.
Verification: Axis Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/axis-myzone#value-timeline">Axis Bank MyZone Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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