Axis BankGold

Axis Bank My Zone Credit Card

•••• •••• •••• 4242

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Quick facts

Axis Bank My Zone Credit Card

Top reward4%

Annual fee₹500

Min income₹20,000/mo

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🛒Shopping Partners

Axis Bank · Gold tier

Axis Bank My Zone Credit Card

Entertainment & dining

Popular entry card with OTT and dining perks.

Key Benefits

💳

SonyLIV membership

🎁

Discounts on dining

⛽

Low annual fee

Annual fee

₹500

Top rate

Min income

₹20,000/mo

Eff. return

0.7%

Realistic net value (moderate user): ₹3,382/year

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹4,512

Before fees & forex

Costs / year

₹1,130

Fee ₹500 + forex ₹630

Net value / year

₹3,382

0.7% effective return on spend

Category-wise breakdown

Dining & food delivery

Spend ₹4,000/mo · 4% cashback

₹192/year

₹16/mo

₹400 × 4% = ₹16/moCap hit at ₹400/mo — extra spend earns less

All other eligible spends

Spend ₹36,000/mo · 1% cashback

₹4,320/year

₹360/mo

₹36,000 × 1% = ₹360/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: Issuer public T&Cs

dining

Cap: ₹400/mo

Example: ₹400/mo spend → ≈ ₹16/mo (max at cap)

all

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIRentWallet loads

Best for

→ Entertainment & dining

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Charged every year unless waived

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹4,512

Annual fee− ₹500

Forex cost− ₹630

Net annual value₹3,382

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹2,40,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Axis Bank My Zone Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹4,512/year. After the ₹500 annual fee, net value is approximately ₹3,382/year. Use the calculator above to model your own spends.

What is the minimum income for Axis Bank My Zone Credit Card?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Rent, Wallet loads.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.