Axis MyZone Credit Card Review (2026)
Axis's entry card built for food and entertainment lovers. 5x on Swiggy, Zomato, Netflix, and PVR at just 500/year.
Last updated: 2026-03-21· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹500 |
| Joining Fee | ₹500 |
| Fee Waiver | Spend 50,000 in a year |
| Income Required | ₹2.5L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Axis EDGE Reward Points
Our Review
The MyZone is targeted squarely at young professionals whose biggest discretionary spends are food delivery and OTT subscriptions. If you're spending 5K/month on Swiggy/Zomato and 1-2K on Netflix/Hotstar, the 5x earn rate adds up meaningfully. The problem is the 1x base rate — anything outside dining and entertainment earns poorly. This card works best as a secondary card specifically for food and entertainment, paired with something like the Axis ACE (2% flat) for everything else. Don't make this your only card — you'll leave money on the table for non-category spends.
Pros & Cons
Pros
- + 5x on dining and entertainment — best in class for entry cards
- + Low 500 fee with easy 50K waiver
- + Covers Swiggy, Zomato, Netflix, Hotstar — perfect for young spenders
- + EDGE points have transfer partner flexibility
Cons
- - 1x base rate on non-category spends is poor
- - No lounge access
- - EDGE point values fluctuate with Axis devaluations
- - Category list can change without much notice
Best For
Frequently Asked Questions
Is the Axis MyZone Credit Card worth it in 2026?
It depends on your spending. The Axis MyZone Credit Card costs ₹500/year (waiver: Spend 50,000 in a year). With an effective base return of 0.3%, you'd need to spend approximately ₹1.4L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the Axis MyZone Credit Card annual fee?
The Axis MyZone Credit Card has an annual fee of ₹500. Joining fee is also ₹500. Fee waiver: Spend 50,000 in a year.
What is the minimum salary required for Axis MyZone Credit Card?
The minimum annual income required for the Axis MyZone Credit Card is ₹2.5L. However, if you have an existing banking relationship with Axis Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on Axis Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.