Axis Bank MY ZONE
Axis Bank · Checked 2026-10-09
Axis Bank MY ZONE is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
Axis Bank MY ZONE is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 4 EDGE points per ₹200 on eligible purchases.
Trade-offs to understand
- Eligible Swiggy and movie offers have order, frequency and discount limits.
- Excluded categories, including fuel and movie spends, do not earn standard rewards.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 4 edge points per ₹200 on eligible purchases valuable enough to clear the fee. Factor in this condition: Eligible Swiggy and movie offers have order, frequency and discount limits.
Compare before deciding
- Apollo SBI Card — A lower-fee way to compare similar strengths in shopping rewards and reward points.
- Bank of Maharashtra SimplySAVE SBI Card — A lower-fee way to compare similar strengths in shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Eligible Swiggy and movie offers have order, frequency and discount limits.
- Excluded categories, including fuel and movie spends, do not earn standard rewards.
- Confirm network-specific fee offers with the bank; the standard annual fee is ₹500.