The Axis MyZone Credit Card is a lifetime-free lifestyle card with 4 EDGE Miles per ₹200 on dining, movies, and shopping, 2 EDGE Miles per ₹200 on all other retail, 1% fuel surcharge waiver, and 1 free domestic lounge visit per year. The card is targeted at urban millennials who spend heavily on dining, entertainment, and online shopping.

Why this matters

MyZone is the highest-reward lifetime-free Axis card for dining and entertainment. The 4 EDGE Miles per ₹200 is competitive even with paid cards. If you spend ₹15,000/month on dining, movies, and shopping, the 4X gives you 300 EDGE Miles/month, equivalent to ₹30 in flight value per month.

Axis Myzone

How to Apply for the Axis MyZone Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the Axis MyZone Credit Card with 4X EDGE Miles on dining, movies, and shopping. Eligibility, benefits, and walkthrough.

Check MyZone eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
Apply online via Axis Bank website — Visit axisbank.com → Cards → Credit Cards → MyZone. Click Apply Now. The form is pre-filled if you are an existing Axis customer.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
Submit and track — Submit the form. The 12-digit application reference is shown. Track status in Axis mobile app. Approval takes 5–10 working days.
Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, Axis mobile app, or at any Axis ATM by setting a 4-digit PIN.
Use for dining, movies, and shopping — Use the card at restaurants, cinema halls, and shopping stores to earn 4 EDGE Miles per ₹200. Track miles in the Axis mobile app.
Use the 1 free lounge visit — The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.

Common mistakes to avoid

The 4 EDGE Miles is restricted to direct POS transactions — Swiggy and Zomato do not qualify. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

Use MyZone for offline dining and shopping to maximise 4 EDGE Miles
Pair with Axis Flipkart for Flipkart and Myntra
Register on Dreamfolks and link the card before your first trip
Chase the 1 free lounge visit with a quarterly flight booking

Frequently asked questions

Is Axis MyZone lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 4X cap?

4 EDGE Miles on dining, movies, and shopping is uncapped. 2 EDGE Miles on all other retail is also uncapped.

Does the 4X apply to Swiggy?

No. The 4 EDGE Miles is restricted to offline POS transactions.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

Axis credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

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How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Understanding MCC codes on Indian credit cards — the merchant-category codes that decide whether a transaction earns rewards