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REWARD POINTS CARD

Axis Bank My Zone Credit Card

Axis Bank

Earns 4 EDGE REWARD Points per ₹200 spent. Offers include Cleartrip flight and hotel discounts, a District movie offer, a Swiggy discount and one domestic lounge visit per calendar quarter.

No points on movie, fuel, insurance, wallet, rent, utilities, education, government, EMI, jewellery, gift card or toll spends. Lounge access needs ₹50,000 spends in the previous 3 months.

Axis Bank My Zone Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Flat 7% Cleartrip discount on flights (up to ₹2,000) and flat 18% on hotels (up to ₹4,000), each once per use per month.
BEST FOR
Included: May suit cardholders who book flights or hotels on Cleartrip, order from Swiggy.
Included: May suit those who regularly book flights or hotels on Cleartrip.
Included: May suit those who order food through Swiggy and book movie tickets through District.
Included: May suit those who spend ₹50,000 or more over 3 months and want one domestic lounge visit each calendar quarter.
Limitation: Those spends on fuel, rent, utilities, insurance, wallet or education may wish to compare other cards.
Limitation: Those whose spends are mostly on fuel, rent, utilities, insurance or wallet loads may wish to compare other cards.
Limitation: Those frequent overseas spenders may wish to compare other cards.
Limitation: Those who carry a balance may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Lounge access: one visit per calendar quarter at select domestic lounges, unlocked by ₹50,000 spends in the previous 3 months.
Condition: From 1 Nov 2026 the District buy-one-get-one movie offer needs ₹25,000 spends in the previous 3 months (waived for a new card for the issuance month and next 3 months).

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 visit per calendar quarter · Select domestic lounges (Set A list). Nominal card-validation swipe applies; guest entry is paid at the lounge. · ₹50,000 eligible spends in previous 3 calendar months
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank Credit Cards Domestic Airport Lounge Access Program
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No EDGE REWARD Points on movie, fuel, insurance, wallet, rent, utilities, education, government institutions, EMI, jewellery, gift card, bridge fees, road fees and tolls.; Movie, fuel, insurance, wallet, rent, utilities, education, government institutions, EMI transactions, jewellery, gift card, bridge fees, road fees, tolls.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Flat 7% Cleartrip discount on flights (up to ₹2,000) and flat 18% on hotels (up to ₹4,000), each once per use per month.
Included: Earns 4 EDGE REWARD Points per ₹200 spent, redeemable against 500+ rewards and offers listed in the EDGE REWARDS Catalogue.
Included: Cleartrip: flat 7% off flights (up to ₹2,000) and flat 18% off hotels (up to ₹4,000), each once per use per month.
Included: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000 at fuel stations across India; GST on the surcharge is not refunded.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.