Question 1

Is Axis MY Zone Credit Card worth the ₹500 annual fee?

Accepted Answer

Axis MY Zone Credit Card has an annual fee of ₹500. The fee can be waived if you spend ₹50k/year. With a base reward rate of 1% (up to 4%), 4 domestic lounge visits, and a CardTrail Score of 8.2/10, it offers good value for the price.

Question 2

What is the reward rate on Axis MY Zone Credit Card?

Accepted Answer

Axis MY Zone Credit Card offers a base reward rate of 1% on regular spends, going up to 4% on select categories. Rewards are earned as EDGE Reward Points. New cardholders also get a welcome bonus of ₹500 BookMyShow/Swiggy voucher.

Question 3

Does Axis MY Zone Credit Card have airport lounge access?

Accepted Answer

Yes, Axis MY Zone Credit Card provides 4 domestic and 0 international lounge visits per year. Note: You must spend ₹50,000 per quarter to activate lounge access.

Question 4

What is the forex markup on Axis MY Zone Credit Card?

Accepted Answer

Axis MY Zone Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

Axis MY Zone Credit Card vs IDFC FIRST Select Credit Card — which is better?

Accepted Answer

Axis MY Zone Credit Card (CardTrail Score: 8.2/10) and IDFC FIRST Select Credit Card (Score: 8.7/10) are both entry level cards. Axis MY Zone Credit Card by Axis has a ₹500 fee with 1% base rewards, while IDFC FIRST Select Credit Card by IDFC FIRST has a no annual fee with 0.75% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Axis MY Zone Credit Card

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