Axis BankMy Zone
Visa
Axis Bank · Visa
My Zone
Joining ₹500 · Annual ₹500 · None. Axis publishes no spend-based annual fee waiver for My Zone (the waiver column is a dash in its Schedule of Charges).
Fee break-even: ≈₹1,25,000/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns EDGE Reward Points · assumed 0.2 ₹/point. EDGE Rewards portal vouchers/catalogue at ~₹0.20/point. ₹99 + GST redemption fee erodes small redemptions
Verified 7 Aug 2026Forex markup3.5%
GolfNone
ConciergeNone
Fuel surcharge1% on ₹400 to ₹4,000 transactions, capped ₹400/month
International loungeNone
EMI₹299 plus GST below ₹50,000, ₹599 plus GST at ₹50,000 and above processing fee · A converted purchase stops earning rewards · The fee is charged on every conversion and is not refunded if you cancel or pre close, so on a no cost EMI deal it is the one thing you genuinely pay. Tenures run 3 to 24 months. · EMI transactions earn no points
Domestic lounge4 a year. 1 visit/quarter at select lounges, only with ₹50,000 spend in the previous 3 months (first 4 months from issuance exempt)
Milestones
- ◆ Spend ₹1,50,000 per year → 1,000 EDGE points (≈₹200) on ₹1.5L annual spend. Replaced the SonyLIV renewal benefit from Apr 2026 Worth ₹200
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.4% | Base rate |
| Amazon | 0.4% | Base rate |
| Flipkart | 0.4% | Base rate |
| Subscriptions & OTT | 0.4% | Base rate |
| Offline spend | 0.4% | Base rate |
| UPI spending | 0% | Visa, Mastercard and Amex credit cards can't be linked to UPI. RuPay is the only network NPCI allows for credit-on-UPI. |
| Dining | 0.4% | Base rate |
| Swiggy | 0.4% | Base rate |
| Zomato | 0.4% | Base rate |
| Groceries | 0.4% | Base rate |
| Quick commerce | 0.4% | Base rate |
| Swiggy Instamart | 0.4% | Base rate |
| Blinkit | 0.4% | Base rate |
| BigBasket | 0.4% | Base rate |
| Movies & shows | 0% | No EDGE points on movie spends (the BOGO ticket offer is separate) |
| BookMyShow | 0% | No EDGE points on movie spends (the BOGO ticket offer is separate) |
| PVR INOX | 0% | No EDGE points on movie spends (the BOGO ticket offer is separate) |
| Fuel | 0% | No points. Surcharge waiver only |
| Travel (general) | 0.4% | Base rate |
| Flights | 0.4% | Base rate |
| Hotels | 0.4% | Base rate |
| MakeMyTrip | 0.4% | Base rate |
| IRCTC rail | 0.4% | Base rate |
| International | −3.1% | 0.4% reward − 3.5% forex markup |
| Utilities & bills | 0% | No points |
| Rent | 0% | No points |
| Education fees | 0% | No points |
| Insurance premiums | 0% | No points on insurance |
| Government & tax | 0% | No points |
| Wallet loads | 0% | No points on wallet loads |
| Anything else | 0.4% | Base rate |
| Jewellery | 0% | No points on gold/jewellery |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- SonyLIV Premium 1-year is a first-year activation benefit only. Renewal benefit discontinued Apr 2026
- Swiggy: ₹120 off on ₹500+ orders, twice a month (code AXIS120)
- Buy-1-get-1 movie ticket up to ₹200/month via District (code AXIS200)
- EazyDiner: 15% off up to ₹500 on min ₹1,500 bill
- From 28 August 2026 the Dynamic Currency Conversion markup is 3.5%. From 1 November 2026 the movie benefit requires ₹25,000 of spend in the previous 3 months.
Other exclusions
- EMI transactions earn no points
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.