Axis Bank Credit Card Review 2025 – Features, Benefits, Fees & Offers

Axis Bank My Zone Credit Card Review 2025 – Features, Benefits, Fees & Offers

                                                              

                                                                           

Apply Now To - Click Here

If you are looking for a lifestyle credit card that offers entertainment perks, food discounts, and OTT subscriptions, the Axis Bank My Zone Credit Card is worth considering. It’s packed with benefits like Buy 1 Get 1 Free movie tickets, Swiggy discounts, and free SonyLiv Premium subscription.

In this review, we will break down its features, benefits, fees, eligibility, and how you can maximize its offers.

Quick Highlights – Axis Bank My Zone Credit Card

Feature	Details
Annual Fee	₹0 (Lifetime Free)
Welcome Benefit	SonyLiv Premium 1-year subscription worth ₹999
Movie Benefit	Buy 1 Get 1 Free on Paytm Movies (Up to ₹200/month)
Dining Benefit	₹120 off on Swiggy (2 times/month)
Lounge Access	4 Complimentary Visits per year (Domestic)
Reward Points	4 EDGE Points per ₹200 spent
Network	Mastercard
Ideal For	Entertainment, Dining, Lifestyle

1. Welcome Benefit – Free SonyLiv Premium

One of the biggest attractions of the Axis Bank My Zone Credit Card is the free SonyLiv Premium annual subscription worth ₹999.

How to get it:

• Make your first transaction within 30 days of card issuance.
• The subscription code will be sent to your registered mobile/email.
• SonyLiv Premium gives you access to premium TV shows, live sports, movies, and originals.

Pro Tip: Activate your SonyLiv subscription immediately to get a full year of streaming without paying extra.

2. Entertainment Perks – Buy 1 Get 1 Free on Movies

If you are a movie lover, this is where the My Zone Credit Card really shines.

Offer Details:

• Get 100% discount on the second movie ticket at Paytm Movies.
• Maximum discount: ₹200 per calendar month per customer.
• Valid once per month.

Example: If two tickets cost ₹400, you only pay ₹200 — the second one is free.

Pro Tip: Plan your movie nights early in the month to ensure availability, as Paytm movie ticket quotas can fill up quickly.

3. Dining & Food Delivery – Swiggy Discount

Eating out or ordering in just got cheaper with the Swiggy discount.

Offer Details:

• Flat ₹120 off on food orders at Swiggy.
• Minimum order value: ₹500.
• Use coupon code AXIS120 at checkout.
• Can be used twice a month per Swiggy user ID.

Example: If your order total is ₹550, you pay only ₹430 after the discount.

Pro Tip: Combine Swiggy’s own offers with this card discount for bigger savings.

4. Travel Benefit – Complimentary Lounge Access

While it’s not primarily a travel card, the Axis My Zone Credit Card still offers 4 complimentary domestic lounge visits per year.

Why it’s useful:

• Relax in comfort before your flight.
• Enjoy free snacks, beverages, and Wi-Fi.
• Access is available at select airports across India.

5. Reward Points Program – EDGE Rewards

The card earns EDGE Reward Points for your spends.

Earning Rate:

• 4 EDGE Points for every ₹200 spent.
• Redeem points for vouchers, products, or even air miles.

Pro Tip: Use your card for utility bills, fuel, and online shopping to accumulate points faster.

6. Fees & Charges

Charge Type	Amount
Joining Fee	₹0 (Lifetime Free)
Annual Fee	₹0 (Lifetime Free)
Interest Rate	3.6% per month (52.86% p.a.)
Foreign Markup	3.5%
Cash Withdrawal Fee	2.5% (Min ₹500)

7. Eligibility Criteria

To apply for the Axis Bank My Zone Credit Card, you must:

• Be 18–70 years old.
• Have a minimum income (varies by city, usually ₹20,000+ per month).
• Be a resident of India.

Documents Required:

• PAN card, Aadhaar card, or Passport.
• Income proof (salary slip/ITR).
• Address proof.

8. Pros & Cons of Axis My Zone Credit Card

Pros:

• Affordable annual fee.
• Excellent for entertainment lovers.
• Free SonyLiv Premium worth ₹999.
• BOGO on movies every month.
• Useful Swiggy discount.

Cons:

• Low reward points earning rate.
• Not ideal for heavy travelers.
• Monthly cap on movie discount (₹200).

9. How to Apply for Axis Bank My Zone Credit Card

You can apply online via the Axis Bank website or offline at a branch.

Steps to Apply Online:

1. Visit Axis Bank’s official credit card page.
2. Select "My Zone Credit Card".
3. Fill out the application form.
4. Upload required documents.
5. Await approval & KYC verification.

10. Tips to Maximize Your Axis My Zone Credit Card

• Use it for movies & food – The biggest savings come from Paytm Movies and Swiggy offers.
• Redeem EDGE Points smartly – Choose vouchers or offers with high point value.
• Reach ₹2 lakh annual spend – This waives your next year’s fee.
• Combine offers – Pair Swiggy discount with bank cashback deals or Paytm movie offer with other promotions.

11. Competitors to Consider

If you want to compare before deciding:

• HDFC Millennia Credit Card – Better for cashback on online shopping.
• SBI SimplyCLICK – Great for Amazon/Flipkart spends.
• ICICI Coral Credit Card – Similar entertainment perks but higher lounge access.

Final Verdict – Should You Get It?

If you regularly watch movies, order food online, and use OTT platforms, the Axis Bank My Zone Credit Card is excellent value for money.

For just ₹500 annual fee, you get:

• SonyLiv Premium worth ₹999.
• BOGO on movies (₹2,400/year value).
• Swiggy savings (₹2,880/year value).
• Lounge access (₹2,000+ value).

That’s over ₹8,000 in benefits for a ₹500 card fee — a no-brainer for lifestyle users.

Frequently Asked Questions (FAQ) – Axis Bank My Zone Credit Card

1. What is the annual fee for Axis Bank My Zone Credit Card?

The annual fee is ₹500 plus GST. This fee is waived if you spend ₹2 lakh or more in the previous card anniversary year.

2. How to get a free SonyLiv Premium subscription with Axis My Zone Credit Card?

You can get a 1-year SonyLiv Premium subscription worth ₹999 by making your first transaction within 30 days of card issuance. The activation code will be sent to your registered email or mobile number.

3. How does the Buy 1 Get 1 Free movie ticket offer work?

With the Axis Bank My Zone Credit Card, you get:

• 100% discount on the second movie ticket booked via Paytm Movies.
• Maximum discount: ₹200 per calendar month.
• Offer valid once a month.

4. Is the Swiggy discount available every month?

Yes. You can get ₹120 off twice a month on Swiggy orders using code AXIS120, with a minimum order value of ₹500.

5. How many lounge visits are free with Axis My Zone Credit Card?

You get 4 complimentary domestic airport lounge visits per year. This works out to 1 free visit per quarter.

6. What are the reward points earned on this card?

You earn 4 EDGE Reward Points for every ₹200 spent. These points can be redeemed for shopping vouchers, merchandise, or air miles.

7. Is Axis Bank My Zone Credit Card good for travel?

It offers basic travel benefits like domestic lounge access, but it’s more suitable for entertainment and dining than frequent travel.

8. Can I get this credit card with no income proof?

Axis Bank generally requires income proof like salary slips or ITR to approve this card. However, existing Axis Bank customers with a good banking relationship may get it pre-approved without additional documents.

9. Does Axis My Zone Credit Card have fuel surcharge waiver?

Yes. You get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (maximum waiver ₹400 per month).

10. How to apply for Axis Bank My Zone Credit Card online?

Steps to apply:

1. Visit the official Axis Bank credit card page.
2. Select My Zone Credit Card.
3. Fill in your personal and financial details.
4. Upload the required documents.
5. Complete KYC verification and wait for approval.

11. Is the Axis Bank My Zone Credit Card lifetime free?

No, it has an annual fee of ₹500. However, it can be made lifetime free if you consistently meet the annual spending requirement of ₹2 lakh for fee waiver.

12. How much can I save annually with Axis My Zone Credit Card?

If you use all benefits:

• SonyLiv Premium: ₹999
• Movie tickets: ₹2,400/year
• Swiggy: ₹2,880/year
• Lounge access: ₹2,000+
  Total savings: Over ₹8,000 annually for just ₹500 fee.