My Zone Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Entry
The My Zone Credit Card is an Entry Visa credit card issued by Axis Bank, best suited for young users. It carries a joining fee of ₹500, with an interest rate of 3.6% per month. Key benefits include Lifestyle benefits and Cashback. New cardholders get a welcome benefit of Welcome benefits. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,50,000/year to qualify. It falls under the Entry-level, Shopping, Fuel, and Rewards category on CreditCardHunt.
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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 — a built-in advantage for cardholders.
Drawbacks of the My Zone Credit Card
- Before applying, factor in 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 (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
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.3/5