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Axis Bank · Entry

Axis MY Zone

Where it ranks across all 187 cards
#55 EMI 0.4% direct #106 Gaming 0.4% direct #124 Train tickets 0.4% direct
#130 Cabs & transit 0.4% direct #138 Health & pharmacy 0.4% direct #140 Other 0.4% direct #141 Electronics 0.4% direct #142 Flights 0.4% direct #142 Hotels 0.4% direct #144 Groceries 0.4% direct #144 Movies & events 0.4% direct #147 Online shopping 0.4% direct #147 Fashion 0.4% direct #148 Food delivery 0.4% direct #149 Dining out 0.4% direct
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Engine value - conservative, what rankings use
₹0.2/pt
0.40%
Vouchers / catalogue
₹0.2/pt
0.40%
Axis states 'The Redemption Value of Each EDGE REWARD Point = ₹0.20' (https://www.axis.bank.in/cards/credit-card/rewards-credit-card, verified 2026-09-25)
Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.40%base rate
4 pts / ₹200
source
Source: Axis Bank MY Zone Credit Card - axis.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹1,50,000 / year
1,000 EDGE REWARD Points
₹200estimated value
Earns nothing on1 exclusion
Utility bills, Mobile / broadband, Rent, Wallet load, Government / tax, Insurance, Jewellery & watches, Fuel
earns nothing
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills, Mobile / broadband, Rent, Wallet load, Government / tax, Insurance, Jewellery & watches, Fuel
Source: Revision of MYZONE Credit Card Terms and Conditions (PDF) - axis.bank.in - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
District (by Zomato)
Buy one get one on movie tickets: 100% off the second ticket booked via District app
Source: Axis Bank - My Zone Credit Card - axis.bank.in - read 11 Oct 2026
Swiggy
Flat ₹120 off on Swiggy food delivery, twice a month
Source: Axis Bank - My Zone Credit Card - axis.bank.in - read 11 Oct 2026
₹120a month
Sony LIV
Complimentary Sony LIV Premium annual subscription worth ₹1,499, first year only
Source: Axis Bank - My Zone Credit Card - axis.bank.in - read 11 Oct 2026
Cleartrip
Flat 7% off domestic and international flight bookings on Cleartrip, up to ₹2,000, once a month
Source: Axis Bank - My Zone Credit Card - axis.bank.in - read 11 Oct 2026
7%up to ₹2,000 a month
Cleartrip
Flat 18% off hotel bookings on Cleartrip, up to ₹4,000, once a month
Source: Axis Bank - My Zone Credit Card - axis.bank.in - read 11 Oct 2026
18%up to ₹4,000 a month
Rent
Axis rent fee 1% + GST
1%
Wallet load
Axis wallet-load fee: 1% once cumulative wallet-load spend this statement cycle reaches ₹10,000, on the cycle total + GST
1%
Fuel
Axis fuel fee: 1% once cumulative fuel spend this statement cycle reaches ₹50,000, on the cycle total + GST (separate from the routine fuel-surcharge waiver on ₹400-₹5,000 pump swipes)
1%
Utility bills, Mobile / broadband
Axis utility fee: 1% once cumulative utility/telecom spend this statement cycle reaches ₹25,000, on the cycle total + GST
1%
Education
Axis education fee: 1% per transaction on education payments made via third-party apps + GST (modelled on every education spend - the engine cannot yet tell a third-party app from the institution's own website/POS, which the MITC exempts, so this is the conservative worst-case reading)
1%
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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