My Zone Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Axis Bank
Network: Visa | Tier: Entry
Lifestyle benefits
Why Choose the My Zone Credit Card?
The My Zone Credit Card is a Entry-tier Visa credit card issued by Axis Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Young users. With a reward rate of Cashback and an annual fee of ₹500, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with Welcome benefits, which adds immediate value in the first year.
My Zone Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
My Zone Credit Card Rewards & Benefits
| Reward Rate | Cashback |
|---|---|
| Welcome Bonus | Welcome benefits |
| Lounge Access | None |
| Best For | Young users |
Key Highlights of the My Zone Credit Card
- Lifestyle benefits
- Cashback
My Zone Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,50,000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the My Zone Credit Card
- Entertainment perks
Drawbacks of the My Zone Credit Card
- Moderate rewards
My Zone Credit Card — Frequently Asked Questions
What is the annual fee of the My Zone Credit Card?
The My Zone Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive Welcome benefits as a welcome benefit, which helps offset the joining cost.
Does the My Zone Credit Card offer airport lounge access?
No, the My Zone Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the My Zone Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the My Zone Credit Card?
The My Zone Credit Card earns Cashback. It is best suited for Young users.
Credit Cards Similar to the My Zone Credit Card
If you are considering the My Zone Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card by SBI Card — rated 4.7/5, ₹999 annual fee
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
Expert Rating: 4.3/5