Axis Bank My Zone
Downgrade₹500 for a quarterly lounge visit and 7% off every flight — and points that leave at 20 to 1.
a year at ₹40,000 a month, after the fee
ChangesSkip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: SonyLIV Premium annual subscription (₹1,499) on the first purchase within 30 days — first year only; no points welcome
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹13,000 a month
At ₹13,000 a month — ₹1,56,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #182
Why #182 A ₹500 card with no fee waiver and the worst transfer ratio Axis prints — 20 EDGE REWARD Points for one partner mile — has no business near the middle of a travel board. It sits a place above the ₹1,000 REWARDS card for one reason a travel desk has to count: 7% off every flight and 18% off every hotel on Cleartrip, every month, is a real travel benefit, and REWARDS has nothing of the kind.
My Zone redeems EDGE REWARD Points at ₹0.20, half the ₹0.40 house value — Axis's own value chart prices a year of ₹1,50,000 of eligible spend, which mints 3,000 points, at ₹600. On the transfer side it sits in Axis's "All Eligible Debit/Other Credit Cards" bucket at 20 points to 1 partner mile, so transferring is worth about a quarter of redeeming. The earn rate above already has the ₹0.20 baked in.
Best real exit: Accor Live Limitless (ALL) at ₹0.21/pt (10:1 transfer).
The take
My Zone is the cheapest card on this board that does anything for a traveller, and the reason it qualifies at all is a Cleartrip tie-up most reviews bury under the movie tickets: a flat 7% off domestic and international flight bookings capped at ₹2,000, and a flat 18% off hotels capped at ₹4,000, each usable once a month with code CTAXISMYZONE. Two hotel bookings a year pays the ₹500 fee sixteen times over. Add one complimentary lounge visit a calendar quarter and, for the first year, a SonyLIV Premium subscription Axis prices at ₹1,499, and a ₹500 card has done its job before the rewards program is even mentioned. Which is fortunate, because the rewards program is bad. Four EDGE REWARD Points per ₹200 sounds like 2%; My Zone redeems those points at ₹0.20, so it is 0.4%. Transfer them and it is worse — Axis puts this card in its "other eligible cards" bucket, 20 points for a single partner mile, the worst ratio the bank prints anywhere. Nothing earns on movies, fuel, insurance, wallets, rent, utilities, jewellery, education, government or EMIs, which is most of an Indian household's bill stack. And two catches sit under the perks: the lounge visit only unlocks if you put ₹50,000 through the card in the previous three calendar months, and from 1 November 2026 the movie buy-one-get-one needs ₹25,000 of spend in the previous three months too. Take it as a ₹500 discount coupon for Cleartrip with a lounge attached. Do not take it to earn.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
Break-even ₹13,000 a month — ₹1,56,000 a year — is where this card's value crosses its fee.
At your spend
₹700 a year, net of the fee, at ₹3,00,000 of annual spend
₹1,700 a year, net of the fee, at ₹6,00,000 of annual spend
₹3,700 a year, net of the fee, at ₹12,00,000 of annual spend
₹11,800 a year, net of the fee, at ₹36,00,000 of annual spend
₹19,900 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Nov 2026 The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months not yet in force · this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Flat 7% off Cleartrip flights (capped ₹2,000) and 18% off hotels (capped ₹4,000), each once a month — code CTAXISMYZONE
- 1 complimentary domestic lounge visit per calendar quarter, Axis Set A lounges
- SonyLIV Premium annual subscription worth ₹1,499 on the first purchase within 30 days (first year)
- Buy-one-get-one on the second District movie ticket, up to ₹200 a month, coupon AXIS200
- ₹120 off Swiggy with coupon AXIS120, twice a month, on orders over ₹500
- 1,000 EDGE REWARD Points (₹200) at ₹1,50,000 of anniversary-year spend
- 1% fuel-surcharge waiver on ₹400–₹4,000 transactions, up to ₹400 a month
Watch out
- No spend-based fee waiver at all — the ₹500 is charged on joining and again every year
- 4 EDGE REWARD Points per ₹200 reads as 2% and pays 0.4%: My Zone redeems EDGE at ₹0.20, per Axis's own value chart
- Transfers run 20 EDGE REWARD Points to 1 partner mile on standard partners, and 10:1 to AirAsia, SpiceJet, Accor, Cathay, the Avios programmes, IndiGo and Lotusmiles — ITC left the grid; redeem, never transfer
- The lounge visit is spend-gated — ₹50,000 through the card in the previous 3 calendar months
- From 1 Nov 2026 the District movie BOGO needs ₹25,000 of settled spend in the previous 3 months (new cards exempt for the issuance month plus 3)
- Since 28 Aug 2026 the dynamic-currency-conversion markup is 3.5%, up from 1.5% and matching the 3.5% forex fee — 'pay in rupees' abroad is no longer cheaper
- Nothing earns on movies, fuel, insurance, wallets, rent, utilities, jewellery, education, government or EMI — and the same list is stripped from the ₹1,50,000 milestone count
- The SonyLIV subscription is a first-year benefit; Axis discontinued the ₹1,50,000-spend renewal of it on 1 Apr 2026
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 25 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Bengaluru → Colombo Economy 65,000 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 10:1 the play
- Chennai → Colombo Business 140,000 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 10:1 the play
- Mumbai → Delhi First 500,000 Axis EDGE Reward Points via Air Canada Aeroplan at 20:1 the play
What earns, what doesn't
10 sourced rules · 10 pay zero
Since 20 Jun 2025 Axis identifies My Zone's exclusions by internal SPEND CATEGORY, not the 4-digit MCC, so the codes are no longer published and MCC-hacking is unreliable. The card earns 4 EDGE REWARD Points per ₹200 on everything outside the list below — 0.4% at the ₹0.20 My Zone redeems for.
- Fuel · excluded No EDGE REWARD Points on fuel, and fuel is excluded from the ₹1,50,000 milestone count; 1% surcharge refunded on ₹400–₹4,000 transactions up to ₹400 a month, and a separate 1% fee above ₹50,000 of fuel a statement cycle
- Rent & property management · excluded Rent earns nothing and is excluded from the milestone count; a 1% fee applies to every rent transaction
- Wallet loads · excluded Wallet loads earn nothing and are excluded from the milestone count; 1% fee above ₹10,000 of wallet loads a statement cycle. From 28 Aug 2026 gift cards move out of Wallet into their own "Gift Card" category — still no rewards, still excluded from milestones
- Utilities (electricity/water/gas) · excluded "Utility & Telecom" earn nothing and are excluded from the milestone count; 1% fee above ₹25,000 of utility spend a statement cycle
Does your spend count toward the milestones?
10 of 15 categories answered
₹1,50,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Put your number in
₹80,000 a month of rent & property management is ₹9,60,000 a year that counts ₹0 toward the milestones.
There is no fee-waiver gate to answer — My Zone publishes no spend-based waiver at all, so the only threshold on this card is the milestone, and Axis states its exclusions outright. Verbatim, from the 1-Apr-2026 revision: "Starting 1st April 2026, you will be eligible to earn 1,000 EDGE REWARD Points on achieving annual spends of INR1.5 lakhs in your card anniversary year… Note: Spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions will be excluded from this calculation." The same nine categories are the no-earn list, so on this card the two questions happen to have the same answer — which is worth stating rather than leaving to inference. Spends are evaluated 60 days after the anniversary date so reversals and cancellations drop out.
10 of 15 categories answered · per Axis Bank's own document · in force since 2026-04-01
Where the miles go
29 programs · 27 live
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every Axis Bank route, side by side → · the Axis EDGE Reward Points hub →
Lounge access
12 of 793 tracked doors
Gate: ₹50,000 of eligible spend in the previous 3 calendar months, w.e.f. 1 May 2024 — waived for the month of issuance and the 3 calendar months after it on a newly issued card, but an UPGRADE does not count as a new issuance
Opens 12 of 793 tracked lounge doors across 6 airports — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Open to apply, and it is one of the easier Axis approvals: 18 to 70 years of age, resident Indian or NRI, with PAN, an income proof and an address proof, and no published income floor. Axis's Key Fact Sheet (last updated 12 Aug 2026) lists My Zone in its Retail Cards table at ₹500 joining and ₹500 annual with the Annual Fee Waiver cell empty — there is no spend waiver to chase. Both fee figures carry the sheet's asterisk, which means they do not apply where the customer was given a Lifetime Free card or a different fee was agreed on the application form, so a bundled or salary-account offer can legitimately quote you ₹0. A separate My Zone EASY variant, secured against a fixed deposit, appears in the same sheet at the same ₹500.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹500 and annual ₹500 with NO spend-based waiver published — the Key Fact Sheet's waiver cell is empty, and both fee figures carry the sheet's asterisk meaning they do not apply on a Lifetime Free card or where a different fee was agreed on the application form. Earns 4 EDGE REWARD Points per ₹200, which reads as 2% and pays 0.4%: Axis's own value chart prices a year of ₹1,50,000 of eligible spend — 3,000 points — at ₹600, i.e. ₹0.20 a point. On the Travel EDGE transfer grid My Zone sits in the "All Eligible Debit/Other Credit Cards" column at 20 points per partner mile (10:1 to AirAsia, ITC and SpiceJet), the worst ratio Axis publishes. Nothing earns on movie, fuel, insurance, wallet, rent, utilities, jewellery, education, government or EMI transactions, and the same list is stripped from the 1,000-point ₹1,50,000 milestone. Travel benefit is Cleartrip: flat 7% off domestic and international flights capped ₹2,000 and flat 18% off hotels capped ₹4,000, each once a month with code CTAXISMYZONE, running 11 May 2026 to 30 Nov 2027. One complimentary lounge visit a calendar quarter off Axis's Set A list, gated on ₹50,000 of spend in the previous 3 calendar months. Fuel surcharge refunded on ₹400–₹4,000 transactions, capped ₹400 a month; 1% rent fee; 1% on third-party education apps and on cumulative statement-cycle spends above ₹10,000 wallet, ₹50,000 fuel, ₹25,000 utility and ₹10,000 skill-based gaming. Two dated changes from the card's own revision notice: DCC went 1.5% to 3.5% on 28 Aug 2026, and a ₹25,000 previous-3-months spend gate lands on the District movie BOGO on 1 Nov 2026. Card network not published anywhere.
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes · 1 not yet in force
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official Axis Bank My Zone product page — 4 EDGE REWARD Points per ₹200, 1 lounge visit a quarter, the Cleartrip 7%/18% discounts, and the fee table (₹500, forex 3.50%)
- official Revision of MYZONE Credit Card Terms and Conditions — DCC 1.5% → 3.5% from 28 Aug 2026, and a ₹25,000 previous-3-months spend gate on the District movie BOGO from 1 Nov 2026
- official My Zone Terms & Conditions — the 1 Apr 2026 milestone replacing the SonyLIV renewal, and the 20 Jun 2025 move from MCC codes to spend categories
- official Axis Bank Key Fact Sheet, last updated 12 Aug 2026 — MY ZONE joining ₹500, annual ₹500, and no annual-fee waiver published
- official Axis Travel EDGE Points/Miles Transfer T&C — the live grid, whose "All Eligible Debit/Other Credit Cards" column runs 20:1, or 10:1 to AirAsia, ITC and SpiceJet
- official Axis Bank Domestic Airport Lounge Access Program — My Zone is a Set A card at 1 visit a quarter, gated on ₹50,000 of spend in the previous 3 calendar months
- official Cleartrip offer terms for My Zone and NEO — the discount runs 11 May 2026 to 30 Nov 2027