Axis Bank My Zone Credit Card: Features, Benefits, Fees & Charges - 17 June 2024

Axis Bank My Zone Credit Card: Features, Benefits, Fees & Charges - 17 June 2024

Jun 18, 2024

15 Mins

Axis Bank My Zone Credit Card is an entry-level credit card that offers benefits across shopping, dining, and entertainment. With a low annual fee of Rs. 500, this card provides various lifestyle benefits and discounts on popular websites like AJIO and Swiggy. Additionally, it offers a complimentary annual membership of SonyLIV, making it one of the few low-fee credit cards that provide access to an OTT platform.

One of the key benefits of the Axis Bank My Zone Credit Card is the flat Rs. 120 discount on Swiggy, which can be availed twice a month. This is a great advantage for moderate spenders who prefer using Swiggy for online food delivery. Along with this, the card offers entertainment benefits through Paytm Movies and SonyLIV. The My Zone Card also provides shopping benefits at AJIO, where users can save up to Rs. 1,000 on transactions.

However, it is important to note that the rewards structure on the card is not very satisfactory. Users earn only 4 EDGE reward points for every Rs. 200 spent. The redemption value of these points is also low at just Rs. 0.20 per reward. Furthermore, the card has exclusions on earning reward points for movie, fuel, insurance, wallet, rent, utilities, education, government institutions, and EMI transactions.

In addition to the co-branded benefits, the Axis Bank My Zone Credit Card also offers other features and benefits. Cardholders can enjoy 1 complimentary access to select airport lounges within India per calendar quarter, as well as a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000. The card also allows users to convert transactions of Rs. 2,500 and above into EMIs. Under the 'Dining Delights' program, cardholders can avail up to 15% off (max. Rs. 500) at partner restaurants in India via EazyDiner.

Overall, the Axis Bank My Zone Credit Card is a suitable choice for individuals looking for an entry-level card with benefits in shopping, dining, and entertainment. It is particularly beneficial for those who frequently use Swiggy for food delivery and prefer entertainment through Paytm Movies and SonyLIV. However, users seeking general reward benefits and a higher reward rate may need to consider other options. The card offers multiple lifestyle benefits, but they are brand-specific, which may limit the options for some users. It is important to review the terms and conditions, along with the individual spending patterns and preferences, before deciding whether to apply for this credit card.

Axis Bank My Zone Credit Card is an entry-level credit card that offers benefits across shopping, dining, and entertainment. With a low annual fee of Rs. 500, this card provides various lifestyle benefits and discounts on popular websites like AJIO and Swiggy. Additionally, it offers a complimentary annual membership of SonyLIV, making it one of the few low-fee credit cards that provide access to an OTT platform.

One of the key benefits of the Axis Bank My Zone Credit Card is the flat Rs. 120 discount on Swiggy, which can be availed twice a month. This is a great advantage for moderate spenders who prefer using Swiggy for online food delivery. Along with this, the card offers entertainment benefits through Paytm Movies and SonyLIV. The My Zone Card also provides shopping benefits at AJIO, where users can save up to Rs. 1,000 on transactions.

However, it is important to note that the rewards structure on the card is not very satisfactory. Users earn only 4 EDGE reward points for every Rs. 200 spent. The redemption value of these points is also low at just Rs. 0.20 per reward. Furthermore, the card has exclusions on earning reward points for movie, fuel, insurance, wallet, rent, utilities, education, government institutions, and EMI transactions.

In addition to the co-branded benefits, the Axis Bank My Zone Credit Card also offers other features and benefits. Cardholders can enjoy 1 complimentary access to select airport lounges within India per calendar quarter, as well as a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000. The card also allows users to convert transactions of Rs. 2,500 and above into EMIs. Under the 'Dining Delights' program, cardholders can avail up to 15% off (max. Rs. 500) at partner restaurants in India via EazyDiner.

Overall, the Axis Bank My Zone Credit Card is a suitable choice for individuals looking for an entry-level card with benefits in shopping, dining, and entertainment. It is particularly beneficial for those who frequently use Swiggy for food delivery and prefer entertainment through Paytm Movies and SonyLIV. However, users seeking general reward benefits and a higher reward rate may need to consider other options. The card offers multiple lifestyle benefits, but they are brand-specific, which may limit the options for some users. It is important to review the terms and conditions, along with the individual spending patterns and preferences, before deciding whether to apply for this credit card.

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