Axis Bank My Zone Credit Card
Earn accelerated cashback on everyday spends, entertainment & utility payments.
Overview
The Axis Bank My Zone Credit Card is a versatile cashback credit card designed for everyday spenders who want strong rewards on categories like utility bills, entertainment, groceries, and digital purchases. While it carries an annual fee, it offers accelerated cashback rates that can deliver good value when fully utilized.
Features & Benefits
Joining & Renewal Benefits
Bonus cashback on meeting initial spend milestones, subject to Axis Bank promotional offers.
Annual fee waiver available on meeting eligible spend threshold in the previous year as per official terms.
Cashback & Rewards
- • 5% cashback on utility bill payments (up to monthly cap)
- • 4% cashback on entertainment & streaming spends
- • 2% cashback on grocery & food delivery
- • 1% cashback on all other eligible spends
Cashback earned across eligible categories is automatically credited as statement credit to the card account.
Lifestyle Benefits
- • Strong cashback on key everyday categories
- • Good for monthly household spends
- • Digital & utility rewards
1% fuel surcharge waiver on eligible fuel transactions as per Axis Bank standard terms and conditions.
Approximately 3.5% forex markup fee on international transactions.
Fees & Charges
- • Good accelerated cashback structure
- • Automatic statement credit
- • Versatile everyday usage
- • Annual fee applicable
- • Cashback caps may apply
- • No premium airport lounge access
- • Wallet loads
- • Rent payments
- • Government & quasi-cash transactions
- • Cashback subject to category caps and limits
Add-on cards available as per bank policy.
- • Indian residents
- • Age 18–65 years
- • Salaried or self-employed with valid income & credit profile
Reward slabs, category caps, and terms may be revised by Axis Bank periodically. Always refer to the official Axis Bank credit card page for the latest updates.