“Axis Bank My Zone Credit Card 2025: Ultimate Guide to Features, Charges & Benefits for Smart Spenders”

Introduction

If you’re looking for a credit card that blends lifestyle perks with practical savings, the Axis Bank My Zone Credit Card is a strong contender in 2025. Whether you’re a movie buff, a Swiggy regular, or someone who loves shopping online — this card offers a compelling mix of rewards and benefits. In this blog for CashBabu, we break down the card’s unique features, its fee structure, and how you can maximize its benefits.

Unique Features of Axis Bank My Zone Credit Card

1. Buy One, Get One Free on Movies

   • With the My Zone Credit Card, you can get a 100% discount on your second movie ticket via the District (formerly Paytm) app.

   • Use coupon code AXIS200 to avail this offer (terms apply).

2. SonyLIV Premium Subscription

   • The card gives a complimentary annual SonyLIV Premium subscription (worth ₹1,499) on the first transaction within 30 days of card issuance.

   • Renewal of the SonyLIV benefit is possible if you spend ₹1.5 lakh in your anniversary year (for paid cards, and with certain spending conditions) as per the updated terms.

3. Swiggy Discount

   • Get flat ₹120 off on Swiggy orders of at least ₹500, using code AXIS120.

   • This offer is valid twice a month per user ID.

4. EDGE Reward Points

   • Earn 4 EDGE Reward Points for every ₹200 of spend on the card.

   • Note: No reward points are earned on certain spend categories like movie tickets, fuel, EMI, rent, wallet, utilities, etc.

   • There is a milestone reward: if you spend ₹1.5 lakh in a year (card anniversary year), you get 1,000 EDGE Reward Points.

5. Airport Lounge Access

   • You get one complimentary domestic airport lounge visit per calendar quarter (i.e., up to 4 per year), provided you’ve spent ₹50,000 in the previous three months.

6. Fuel Surcharge Waiver

   • The card offers a 1% fuel surcharge waiver on petrol transactions between ₹400 and ₹4,000.

   • The maximum waiver per statement cycle is ₹400.

7. Dining Delights Program

   • As part of Axis Bank’s Dining Delights program, My Zone cardholders can enjoy up to 15% off (max ₹500) at partner restaurants via EazyDiner (or other partner platforms).

8. Wednesday Delight Offers

   • On Wednesdays, My Zone gives exciting deals: up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy, and 10% off up to ₹1,000 on Tira.

9. EMI Conversion

   • Any transaction above ₹1,500 can be converted into EMI by contacting Axis Bank.

10. Secure Transactions

    • The card is EMV-chip enabled, making it safer (anti-counterfeit) and more secure for everyday use.

Charges and Fees (2025)

Here’s a clear breakdown of the Axis Bank My Zone Credit Card fees and charges (as of Nov 2025):

Key Benefits & How to Maximize Them

1. Max Value from Entertainment

   • Use the BOGO movie offer every month to make movie nights cheaper. With the second ticket free (up to ₹200), you can save significantly if you go to the movies often.

2. Leverage Swiggy Offers

   • Since you get ₹120 off on Swiggy twice a month, plan your food delivery spending around this. This can easily save you up to ₹240 every month — that’s ₹2,880 annually.

3. Get the Most from EDGE Points

   • Focus on categories where you do earn EDGE points: spend on non-excluded categories (not EMI, fuel, movie, etc.) to rack up points.

   • Aim for ₹1.5 lakh in annual spending (if feasible), so you can hit the 1,000-point milestone reward.

4. Use Lounge Access Wisely

   • Since you need a ₹50,000 spend in the previous 3 months to unlock a quarterly lounge visit, try to plan big spends or shift payments to this card when you want to use lounge access.

5. Fuel Transactions

   • Use the card for fuel spends when possible (in the ₹400–₹4,000 range) to maximize the 1% surcharge waiver.

6. Convert Big Purchases to EMI

   • For expensive purchases, convert them into EMIs if you prefer breaking down payments — but check the EMI interest / conversion cost before doing so.

7. Security

   • The EMV chip helps reduce fraud risk, so use this card confidently for both in-store and online payments.

Recent / Updated Changes (2025) to Note

• The terms & conditions of the My Zone Credit Card were updated from 20 June 2025.

• The milestone reward of 1,000 EDGE Points on ₹1.5 lakh annual spend is applicable for customers onboarded from 1 April 2025. Info collected from AxisBank

• According to Paisabazaar, the 1% fuel surcharge waiver is capped at ₹400 per month, for fuel spends between ₹400 and ₹4,000.

Pros and Cons — Should You Get It?

Pros

• Low / moderate annual fee with decent rewards.

• Good benefits for lifestyle spends: movies, dining, food delivery.

• Airport lounge access is a plus for occasional travelers.

• Secure EMV chip card.

Cons

• EDGE rewards are not earned on certain categories (fuel, EMI, rent, etc.), limiting point-earning potential.

• Finance charges are very high (3.75% monthly), so carrying a balance can be very expensive.

• To fully unlock lounge access, you need relatively high short-term spend (₹50k in 3 months).

• The Swiggy discount is capped (and limited to twice a month), so you may not benefit if your Swiggy usage is irregular.

Conclusion

For CashBabu readers who are young professionals, lifestyle spenders, or credit card users who value movie nights, food delivery, and occasional travel, the Axis Bank My Zone Credit Card remains a solid choice in November 2025. Its mix of entertainment perks, EDGE rewards, and reasonable fees make it appealing — as long as you use it smartly and pay your bill on time to avoid interest.

If your spending habits align with the card’s strengths (Swiggy, movies, dining), this card can deliver real value. But if you tend to carry a balance or spend heavily on excluded categories (fuel, EMI), you might want to compare with other cards.