The Axis MyZone Credit Card is one of the easiest ways to get a free card that actually gives something back. It costs nothing to hold, ever, and its value comes from everyday lifestyle offers: a free second movie ticket, regular Swiggy discounts, a year of SonyLIV Premium and occasional lounge access. The reward points themselves are modest, so think of MyZone as a perks card rather than a points card.
Benefits at a glance
| Benefit | What you get | Condition / cap |
|---|---|---|
| Movies | Buy 1 Get 1 on the District app | Up to ₹200 off per month |
| Swiggy | Flat ₹120 off on orders of ₹500+ | Twice a month |
| SonyLIV Premium | Annual plan worth ₹1,499 | On first transaction within 30 days |
| Airport lounge | 1 complimentary visit | Per quarter, after ₹50,000 spend in previous 3 months |
| Milestone | 1,000 EDGE points | On ₹1.5 lakh spend in an anniversary year |
| Fuel surcharge | 1% waiver on ₹400–₹4,000 | Up to ₹400 a month |
How the rewards work
You earn 4 EDGE Reward Points for every ₹200 spent, and one point is worth ₹0.20. That means ₹0.80 back per ₹200, or roughly 0.4%. It is a small return, which is why the offers matter more than the points on this card.
Earns nothing on: movies, fuel, insurance, wallet loads, rent, utilities, jewellery, education, government payments and EMI transactions.
What you would actually save
Use the Swiggy offer twice a month and you save ₹2,880 a year. Book movies once a month for two and the free ticket can save up to ₹2,400 a year. Add the SonyLIV Premium plan (₹1,499) in year one and the perks alone are worth over ₹6,700, before counting any points. Spend ₹15,000 a month on eligible categories and you would also collect about 3,600 points (around ₹720) plus the 1,000-point milestone bonus once you cross ₹1.5 lakh.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free, for life |
| Fuel surcharge | 1% waiver on ₹400–₹4,000 transactions, capped at ₹400 a month |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month |
| Income (self-employed) | ITR above ₹3,60,000 a year |
| Credit score | 736 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on Axis Bank site on this page to open Axis Bank’s credit card application.
- Fill in the form in one session, using the mobile number linked to your Aadhaar.
- If your home and office are 150 km or more apart, choose your residence as the mailing address.
- Complete video KYC when asked, from within about 50 km of your Aadhaar or communication address.
- Once the card arrives, activate it with a first purchase of ₹100 or more within 30 days.
Who should get it, and who shouldn’t
Get it if you want a no-fee card for movies, food delivery and streaming, and you will actually use the Swiggy and District offers each month. It also works well as a free second card next to a stronger rewards card.
Skip it if you want high cashback on regular spending, or if this would be your first credit card. The 0.4% base rate is low, and Axis Bank does not accept new-to-credit applicants for MyZone.
