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Last updated: 01-06-2026
Axis Bank MY Zone Credit Card
Axis Bank

Axis Bank MY Zone Credit Card

"Axis Bank's best entry lifestyle card โ€” lifetime free with 25% off on dining via EazyDiner, movie discounts and 4 domestic lounge visits per year"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free (verify current offer on Axis Bank website)
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Young urban professionals who dine out frequently, watch movies and want a lifetime free card with real lifestyle benefits; good first card for first-time users in the Axis Bank ecosystem
๐ŸŽ Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; redeemable via EDGE REWARDS portal)
๐ŸŽ‰ Welcome Benefit
Complimentary 3-month EazyDiner Prime membership worth โ‚น1,095 on card activation โ€” unlocks 25% off at 2,000+ restaurants
๐Ÿ’ฐ Reward Rate
5 EDGE RPs per โ‚น200 on food delivery orders (Swiggy, Zomato); 2 EDGE RPs per โ‚น200 on all other eligible retail spends; excludes fuel, EMI, wallet, rent, government, insurance
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) on spending โ‚น5,000 or more in the previous quarter
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โœ… Pros
  • Lifetime free โ€” zero joining or annual fee
  • 25% dining discount at EazyDiner restaurants (3-month Prime membership)
  • 15% off at 4,000+ restaurants via Dining Delights
  • 4 domestic lounge visits per year
  • Movie discounts via BookMyShow
  • Good first card in Axis ecosystem
โŒ Cons
  • EazyDiner Prime is only 3 months โ€” benefits diminish after welcome period
  • Low base reward rate (2 EDGE RPs per โ‚น200 = 0.2%)
  • High forex markup 3.5%
  • Lounge requires โ‚น5,000 quarterly spend
  • Verify current LTF offer terms on Axis website

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; redeemable via EDGE REWARDS portal)
Welcome Benefits
Complimentary 3-month EazyDiner Prime membership worth โ‚น1,095 on card activation โ€” unlocks 25% off at 2,000+ restaurants
Reward Rate
5 EDGE RPs per โ‚น200 on food delivery orders (Swiggy, Zomato); 2 EDGE RPs per โ‚น200 on all other eligible retail spends; excludes fuel, EMI, wallet, rent, government, insurance
Reward Redemption
EDGE REWARDS portal: vouchers (1 RP = โ‚น0.20), merchandise, travel; minimum 500 EDGE RPs for redemption
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter) on spending โ‚น5,000 or more in the previous quarter
Spend Based Fee Waiver
Not applicable โ€” card is lifetime free
Milestone Benefits
No specific milestone benefits on the base variant
Other Benefits
25% guaranteed discount at EazyDiner Prime restaurants (via 3-month complimentary membership); Buy 1 Get 1 on movie tickets via BookMyShow (verify current offer on Axis website); Axis Bank Dining Delights: 15% off at 4,000+ restaurants; 4 domestic lounge visits per year; Smart EMI on transactions above โ‚น2,500

โœจ Special Perks & Exclusive Offers

Memberships
EazyDiner Prime (3 months complimentary as welcome benefit)
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
25% off at 2,000+ EazyDiner restaurants via 3-month Prime; 15% off at 4,000+ restaurants via Dining Delights; lounge access on โ‚น5K quarterly spend

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free (verify current offer on Axis Bank website)
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Lounge requires โ‚น5,000 quarterly spend; EazyDiner Prime is 3 months only โ€” renew at โ‚น365 per year for continued benefits; verify current lifetime free offer terms on Axis website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; Indian resident; salaried or self-employed; minimum monthly income โ‚น20,000+; good credit history
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and Axis Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after immediate reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 and 1860-500-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app: manage card, track EDGE RPs, pay bills
Online Banking
Full management via Axis Bank NetBanking and Axis Mobile

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:31 PM
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