Is Axis Bank My Zone Credit Card good for travel?

Axis Bank My Zone Credit Card is a lifestyle card from Axis. It is not primarily a travel card, but may offer some travel benefits.

Axis • lifestyle

Axis Bank My Zone Credit Card

Q: What is the annual fee of Axis Bank My Zone Credit Card?

The annual fee for Axis Bank My Zone Credit Card is Rs.500 + GST.

Q: How to apply for Axis Bank My Zone Credit Card?

You can apply for Axis Bank My Zone Credit Card online through Axis's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 500

Annual Fee

Rs. 500

Joining Fee

Visa/Mastercard

Network

lifestyle

CreditIQ Verdict

The Axis Bank My Zone Credit Card is a lifestyle credit card from Axis with an annual fee of Rs.500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on lifestyle categories and want to earn meaningful rewards.

Key Benefits

5X on Myntra, Ajio, Nykaa

Fees & Charges

Annual FeeRs. 500 + GST

Joining FeeRs. 500 + GST

Interest Rate52.86% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on lifestyle regularly

+ Spend Rs.2,000+ per month

+ Have a good credit score (750+)

+ Earn Rs.0.2L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of Axis Bank My Zone Credit Card?

The annual fee is Rs.500 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on Axis Bank My Zone Credit Card?

Axis Bank My Zone Credit Card offers 1. Check the benefits section above for category-specific accelerators.

How to apply for Axis Bank My Zone Credit Card?

You can apply online through Axis's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

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Quick facts

Annual feeRs.500

NetworkVisa/Mastercard

BankAxis

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