The Axis My Zone Credit Card is ideal for online shoppers, offering brand discounts on platforms like Swiggy, Ajio, District, and SonyLiv. Cardholders enjoy up to 4 complimentary domestic lounge visits per year and up to 15% off on dining bills via EazyDiner. The first-year fee is ₹500 plus applicable taxes.
The Axis Bank My Zone Credit Card is an entry-level card designed for everyday lifestyle spending, including shopping, dining, and entertainment. It offers discounts on popular platforms such as Ajio, District, and Swiggy, along with a complimentary annual SonyLIV membership, making it one of the few low-fee cards to combine OTT access with lifestyle benefits.
While the card earns EDGE Reward Points on all purchases, the rewards accumulation is modest as there are no accelerated categories. As a result, the discounts and brand offers are the main highlights for cardholders. This makes the My Zone card ideal for users seeking cost-effective perks and lifestyle savings.
Swiggy: Get Rs. 120 off on food delivery orders of Rs. 500 or more, twice every month. Use the promo code ‘AXIS120’ at checkout.
District by Zomato: Enjoy up to Rs. 200 off on your 2nd movie ticket each month via the District app. Apply code ‘AXIS200’.
Ajio: Avail discounts up to Rs. 1,000 on select items with a minimum purchase of Rs. 2,999 using code ‘AJIOAXISMZ’.
SonyLiv: Receive a complimentary SonyLiv Premium annual subscription (worth Rs. 1,499) by making your first card transaction within 30 days of card activation. Renewal possible on annual spends of Rs. 1.5 lakh.
Rewards Program
Earning Rate: Earn 4 EDGE Reward Points for every Rs. 200 spent.
Redemption: Points can be redeemed through the EDGE Rewards catalogue.
Exclusions: Transactions on movies, fuel, rent, insurance, utilities, jewellery, education, government services, wallets, and EMIs do not earn reward points.
Lounge Access
Enjoy 1 complimentary domestic airport lounge visit per calendar quarter, upon spending Rs. 50,000 in the preceding 3 months.
Dining Privileges
Get up to 15% off (max Rs. 500) on dining bills of Rs. 2,500 or more through EazyDiner, once every month, via the Axis Bank Dining Delights program.
Renewal Bonus
Earn 1,000 reward points on annual spends of Rs. 1.5 lakh.
Fuel Benefits
Avail a 1% fuel surcharge waiver (up to Rs. 400 per month) on fuel purchases between Rs. 400 and Rs. 4,000.
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500+Applicable Taxes or Nil for select channels | ||||||||||
| Finance Charges | 3.75% per month (or 55.55% per annum) | ||||||||||
| Late Payment Charges |
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Who Should Consider This Card:
You prefer instant discounts rather than earning reward points.
You want a low-fee credit card that offers benefits across multiple brands and categories.
You frequently shop or order through partner platforms like Ajio, Swiggy, and District by Zomato.
The complimentary SonyLiv subscription (worth Rs. 1,499) is a meaningful perk for you.
Similar Cards You May Explore:
SBI SimplyCLICK Credit Card
HDFC MoneyBack+ Credit Card
HDFC Millennia Credit Card
YES Bank PaisaSave Credit Card
If you want to close your Axis My Zone Credit Card, it is important to follow the official process defined by Axis Bank to ensure a smooth and error-free closure.
Review Your Decision
Before initiating the closure, take a moment to evaluate your reason for cancelling the card. It could be due to annual charges, low usage, or switching to another card. Also, consider the impact on your credit history, especially if the card has been active for a long time.
Clear All Outstanding Dues
Ensure there are no pending amounts on your card before raising the closure request. Pay off all liabilities including
The bank will process your request only after all dues are fully settled.
Submit Closure Request
You can initiate the closure request through different channels such as
You may be required to provide the following details
Request Confirmation
After submitting the request, make sure you receive confirmation from the bank via SMS or email stating that your credit card closure has been successfully initiated or completed.
Stop Using the Card
Avoid making any transactions after submitting the closure request, as it may delay or cancel the process.
Destroy the Card
Once closure is confirmed
Check Credit Report
Important Points
If you need assistance related to your Axis My Zone Credit Card, you can contact the customer support team of Axis Bank. The bank provides support for billing issues, payments, card blocking, reward points, and other credit card-related services.
Customer Care Helpline Numbers
WhatsApp Banking Support
SMS Banking Services
Other Support Channels
Services Available
Important Points
No, reward points are not earned on fuel, movie, or EMI spends. However, you can get a 1% fuel surcharge waiver, up to Rs. 400 per statement cycle, applicable on fuel transactions between Rs. 400 and Rs. 4,000.
You can apply online by filling out the application form available on their platform. Alternatively, applications can be submitted directly through the bank’s application form or in person at any branch by contacting a bank official.
Yes, cash withdrawals are allowed in emergencies, subject to your available credit limit. A cash advance fee of 2.5% of the withdrawn amount applies.
A 3.5% fee applies to all foreign currency transactions, so this card is not ideal for frequent international spending.
Yes, you can apply without holding a bank account, as long as you meet the eligibility requirements. Applicants with a good credit score (typically 750 or above) are preferred.
