Axis BankVisaMyzone Credit Card
3.9NeoFinQ editorial rating
Entry-level lifestyle card with Swiggy discounts and SonyLIV subscription
- Affordable annual fee with easy waiver
- Up to 10X Edge Reward Points on weekend dining
- Complimentary SonyLIV subscription
- Lounge access
- Joining fee
- ₹500
- Annual fee
- ₹500
- Reward type
- points
- Best for
- Lounge
- Est. rewards
- ₹19,500/yr
Our verdict
Excellent entry-level lifestyle card for food enthusiasts and budget-conscious users.
Perfect for
- Individuals who frequently dine out or order food online via Swiggy
- Those seeking affordable lifestyle benefits across entertainment and shopping
Not ideal for
- Users requiring extensive travel perks or premium rewards
Pros & cons
- Affordable annual fee with easy waiver
- Up to 10X Edge Reward Points on weekend dining
- Complimentary SonyLIV subscription
- Lounge access
- Limited rewards outside specific categories
- Higher forex markup
Rewards
4 Edge Reward Points per ₹200 spent; Up to ₹120 off on Swiggy on minimum spend of ₹500 using code AXIS120 (twice per month). 10X dining benefit is discontinued.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 3% |
| Online Shopping | 5% |
Welcome offer
Complimentary SonyLIV subscription worth ₹999
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 1 complimentary domestic lounge visit per calendar quarter (Effective May 2024: requires ₹50,000 spend in previous 3 months/quarter)
More benefits
- Welcome Bonus: Complimentary SonyLIV subscription worth ₹999
- Milestone: SonyLIV Premium subscription renewal on spending ₹1.5 Lakhs in a card anniversary year
- Additional Benefits: SonyLIV subscription, Swiggy discounts, AJIO discounts
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹500 |
| Renewal fee | ₹500 |
| Fee waiver | No official spend-based waiver mentioned; variant often issued as LTF or with specific merchant offers. |
Eligibility
Min. income (annual)
₹1.8L
Employment
Salaried / Self Employed
Frequently asked questions
What are the primary benefits?
Up to 10X Edge Reward Points on weekend dining, SonyLIV subscription, Swiggy/AJIO discounts, and lounge access.
How to waive the annual fee?
Spend ₹5,000 in first 45 days or ₹3.5L annually.
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Find My Best CardMyzone Credit Card
Annual fee ₹500