Check out the Axis Bank MyZone Credit Card review – joining fee ₹500, free Sony LIV subscription, BOGO movie offer, Swiggy discounts, lounge access, dining & shopping benefits.

Axis Bank MyZone Credit Card Review 2024 – Benefits, Fees, Rewards & Eligibility

The Axis Bank MyZone Credit Card is one of the most popular entry-level lifestyle cards in India. Despite its low joining fee of just ₹500, the card is packed with benefits across categories like movies, dining, shopping, OTT subscriptions, food delivery, and travel.

If you’re looking for a value-for-money credit card that offers big savings on a small annual fee, this review covers everything you need to know – fees, charges, rewards, benefits, and eligibility.

Fees & Charges

Joining Fee: ₹500 + GST
Annual/Renewal Fee: ₹500 + GST (from 2nd year onwards)
Cash Withdrawal Fee: 2.5% (min ₹500)
Interest Rate: 3.75% per month (45% annually)
Forex Markup Fee: 3.5% of the transaction value

Key Benefits of Axis Bank MyZone Credit Card

Movie Benefit – Buy 1 Get 1 Free

Book movie tickets via Paytm Movies and get 1 free on buying 1.
Maximum discount: ₹200 per month (worth ₹2,400 annually).

Free Sony LIV Premium Subscription

Get a 1-year Sony LIV Premium subscription worth ₹999 on first spend within 30 days.
From 2nd year onwards, spend ₹1.5 lakh annually to continue receiving the subscription.

Swiggy Discount

Get ₹120 off twice a month on Swiggy orders above ₹500.
Total annual savings: ₹2,880.

Complimentary Airport Lounge Access

1 free lounge visit per quarter (4 per year).
To unlock, spend ₹50,000 in a quarter.

Dining Benefits

Flat 15% discount (up to ₹500) at partner restaurants across India.

Ajio Shopping Discount

Get ₹1,000 instant discount on a minimum spend of ₹2,999 at Ajio.

EMI Conversion

Purchases above ₹1,500 can be converted into easy EMIs.

Wednesday Delights

Up to 15% off on flights/hotels via Goibibo & MakeMyTrip (on Wednesdays).
10% off on Swiggy, Amazon Fresh, and BigBasket (every Wednesday).

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India.
Valid for transactions between ₹400 – ₹4,000 (max ₹400/month).

Rewards Program

Earn 4 EDGE Reward Points per ₹200 spent.
Points can be redeemed for shopping, vouchers, or travel bookings.

Tap & Pay Feature

Contactless payments up to ₹5,000 without PIN.

Annual Savings Potential

If used smartly, the Axis MyZone Credit Card can give benefits worth ₹10,000+ every year from:

Movies (₹2,400)
Sony LIV subscription (₹999)
Swiggy discounts (₹2,880)
Lounge access (~₹4,000 value)
Dining, shopping & fuel perks

All of this for just ₹500 annual fee.

Eligibility & Documentation

Age: Minimum 18 years
Documents Required:
- PAN Card
- Identity Proof (Aadhaar, Passport, Driving License)
- Address Proof (Utility Bill/Passport/Aadhaar)
No strict income criteria – salaried or self-employed can apply.

Final Verdict

The Axis Bank MyZone Credit Card is one of the best credit cards under ₹500 annual fee in India. With free OTT subscription, movie offers, Swiggy discounts, lounge access, and dining/shopping benefits, it’s a perfect choice for students, young professionals, and first-time credit card users.

If you want a low-cost card with maximum lifestyle benefits, Axis MyZone is an excellent pick.

👉 Apply for Axis Bank MyZone Credit Card here

Also read Axis Bank Magnus Credit Card Review 2024 – Fees, Benefits, Rewards & Eligibility