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Axis Bank MyZone Visa Credit Card: Lifetime Free, Free SonyLIV, BOGO Movies & 7% Off Flights

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November 3, 2026

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Axis MyZone Visa Credit Card 2026: apply by 31 Dec for lifetime free. Free SonyLIV, BOGO movies, ₹120 Swiggy off & 7% off flights. Check benefits & apply now!

Key Highlights at a Glance

Rewards & Benefits Fact Sheet

🏦 Fees & the Lifetime-Free Offer

• ⏳ Time-bound: the lifetime-free offer is valid till 31 Dec 2026. Applicants during the offer period get the card as lifetime free, and the fee terms are shown at application.
• Visa variant only. Other network variants may carry different fees.
• Standard fee after the offer: ₹500 joining (charged after card activation) + ₹500 annual from the 2nd year. Add-on cards are free. The MITC lists no spend-based waiver for this card.
• Interest: 3.75% per month (55.55% a year) on revolving balances and cash advances.

🎯 Reward Rate

• 4 EDGE points per ₹200, which is 2 points per ₹100.
• At 1 point = ₹0.20, every ₹100 spent returns ₹0.40, so the real value is 0.4%. This is not a 4% cashback card.
• Redemption value rests on the ₹0.20 rate used in your partner copy and Axis’s value chart.
• Milestone: 1,000 EDGE points on ₹1.5 lakh spends in an anniversary year, worth about ₹200.
• Per the MITC, all spends count toward milestones except fees, forex markup, GST, DCC, fuel surcharge, late fees, interest and the rent surcharge. Gift cards are excluded from 28 Aug 2026.

🧮 Real Spend Examples

• Swiggy: ₹120 × 2 × 12 months = ₹2,880 a year, if you use it every time.
• Movies: ₹200 × 12 = ₹2,400 a year, if you hit the cap every month.
• Axis’s “up to ₹9,739” Year-1 figure adds SonyLIV ₹1,499, District ₹2,400, Swiggy ₹2,880, fuel ₹360, lounge ₹2,000 and EDGE points ₹600. It assumes ₹1.5 lakh of yearly spends, ₹3,000 monthly fuel, two lounge visits, and every perk used to the maximum. It leaves out Cleartrip and the milestone. Treat it as a best case, not a guarantee.

🚫 Zero-Reward Categories & Extra Charges

• No points on: Movies, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government Institutions and EMI.
• From 28 Aug 2026, also no points on: Gift Card purchases (these also don’t count toward milestones), Bridge Fees, Road Fees and Tolls.
• EMI conversion reverses the points earned on the original transaction. Cancelling the EMI doesn’t bring them back.
• 1% surcharges apply to rent (per transaction), wallet loads (₹10,000+ per cycle), utilities (₹25,000+ per cycle), fuel (₹50,000+ per cycle), online skill gaming (₹10,000+ per cycle) and education paid via third-party apps (per transaction).

🎬 Movies: BOGO on District

• 100% off the second ticket on the District app. Max discount ₹200/month/user.
• ⚠️ New from 1 Nov 2026: you need ₹25,000 spend in the previous 3 calendar months.
• This is waived for the issuance month plus the next 3 calendar months. Spends are counted at account level.
• EMI counts only at the monthly instalment billed. Interest, fees, charges, reversals and refunds don’t count.
• Only settled transactions count, and settlement can take up to 5 working days.

🍔 Swiggy

• Flat ₹120 off, twice a month, on a minimum order of ₹500. Not valid on Haldiram’s restaurants.

📺 SonyLIV Premium

• 1-year subscription worth ₹1,499, first year only.
• Activated on your first transaction within 30 days of issuance.
• Per the MITC, the welcome benefit is available once per card variant. A cancelled and reopened card doesn’t get it again.

🛋️ Lounge Access (domestic only)

• 1 complimentary visit per calendar quarter, 4 a year, at Set A lounges:
  • Bengaluru: BLR Domestic T1 and 080 Domestic T2
  • Chennai: Travel Club T1 (A/B) and T4
  • Mumbai: Travel Club T1c and Adani T2 (not Adani East, which handles international departures)
  • Kolkata: Travel Club T1
  • Hyderabad: Encalm T1
  • New Delhi: Encalm T1, T2 and T3
• Set B-only airports such as Goa, Jaipur, Kochi and Ahmedabad are not covered.
• Spend condition: ₹50,000 in the previous 3 calendar months. It is waived for the issuance month plus the next 3 calendar months. An upgrade doesn’t count as a new issuance, but an additional card does.
• Payments of dues, interest, fees, charges and reversed payments don’t count as spends.
• Visa variant: a ₹2 card-validation swipe at entry.
• Guests aren’t covered, and entry is non-transferable.
• Lounges may deny entry when full, enforce a 2–3 hour stay limit, and charge extra for food, alcohol and spa services.
• Axis can alter or withdraw the programme without notice.

✈️ Cleartrip Offer (code: CTAXISMYZONE)

• Flights (domestic and international): 7% off up to ₹2,000, no minimum. The cap is reached at about ₹28,571.
• Hotels: 18% off up to ₹4,000, with a minimum booking of ₹4,000 (so at least ₹720 off). The cap is reached at about ₹22,222.
• ⏳ Valid 11 May 2026 to 30 Nov 2027, on the Cleartrip website, app and mobile site only.
• The usage limit is once per month. The same T&C also says “once per user, per product during the offer period.”
• Savings aren’t refunded on cancellation. Rescheduling fare differences are yours to pay. Cleartrip can change or withdraw the offer anytime.

⛽ Fuel Surcharge Refund

• 1% back on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. Reaching the cap needs about ₹40,000 of qualifying fuel spend in a cycle.
• This is a surcharge refund, not a reward. Fuel earns no points, and taxes on the surcharge aren’t refunded.

🌍 Foreign Spends

• Forex markup: 3.5% of the transaction value + GST. Refunds of foreign transactions also attract 3.5%.
• DCC markup: 3.5% + taxes on INR-settled transactions at overseas merchants. It rose from 1.5% on 28 Aug 2026.
• Not valid for foreign-currency transactions in Nepal and Bhutan.

⚠️ Fine Print

• Late payment fee:
  • Nil up to ₹500
  • ₹500 for ₹501–₹5,000
  • ₹750 for ₹5,001–₹10,000
  • ₹1,200 for ₹10,001–₹50,000
  • ₹1,300 above ₹50,000
  • An extra ₹100 applies if the minimum due is missed for two consecutive cycles.
• Payment allocation order: fees, then EMIs, then interest, then purchases, then cash advances.
• Cash advance fee: 2.5% (minimum ₹500). Interest runs from the withdrawal date.
• Over-limit fee: 2.5% (minimum ₹500).
• Interest-free period: 20 to 50 days.
• Activation: activate the card within 30 days of issuance, or it is deactivated.
• EDGE points: forfeited 30 days after card closure, or if the minimum due stays unpaid for more than 90 days. They can be redeemed against “500+ rewards and offers”.
• Changes to benefits: Axis can change features and benefits with 30 days’ notice.

6. Eligibility Criteria

• Age: 18–70
• Income and employment:
• Residency and credit profile:
• The mobile number in the application must be registered in the applicant’s own name.
• Credit decisions are Axis’s call, and the application status is communicated within 21 working days.

7. Required Documents

• A mobile number registered in your own name.
• PAN Card
• Income Proof

8. How to Apply

1. Tap Apply Now and open the Axis Bank MyZone Visa application.
2. Fill in your details using a mobile number registered in your name.
3. Submit the application before 31 Dec 2026 to qualify for the lifetime-free offer.
4. Wait for the decision, which Axis communicates within 21 working days.
5. Receive your card, usually within 3 to 15 working days.
6. Activate it within 30 days, and make your first transaction within 30 days to claim SonyLIV.

Axis Bank MyZone Visa Credit Card: Lifetime Free, Free SonyLIV, BOGO Movies & 7% Off Flights

APPLY NOW