{
  "id": "axis-myzone",
  "locale": "en",
  "name": "Axis Bank MY ZONE Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST (Often issued Lifetime Free)",
  "loungeAccess": "1 Domestic / quarter (₹50,000 spend gated)",
  "rewardsRate": "BOGO Paytm Movies (₹200/mo) · ₹240/mo Swiggy · SonyLIV Premium",
  "bestFor": "Paytm movie tickets, Swiggy food delivery discounts & SonyLIV OTT streaming",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card",
  "aiVerdict": {
    "score": 6.9,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "axis-myzone",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — My Zone Credit Card schedule of charges",
    "Paytm & Swiggy — Axis My Zone promotional discount terms"
  ],
  "feeWaiver": "Waived at ₹2 Lakh annual spend",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Paytm Movies",
      "value": "BOGO up to ₹200 / month"
    },
    {
      "key": "Swiggy Food",
      "value": "₹120 off (2x / month)"
    },
    {
      "key": "SonyLIV Premium",
      "value": "1 Year Free (₹1,499 value)"
    },
    {
      "key": "Domestic Lounge",
      "value": "1 visit/qtr (₹50k gate)"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST (or LTF)"
    },
    {
      "key": "RuPay UPI",
      "value": "UPI enabled"
    }
  ],
  "earnRates": [
    {
      "category": "General Domestic & Online Retail",
      "rate": "0.4% (4 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 EDGE (₹400 value)"
    },
    {
      "category": "Utilities & Insurance",
      "rate": "0.4% (4 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 EDGE (₹400 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Paytm Movies",
      "multiplier": "BOGO",
      "rate": "Up to ₹200 off",
      "monthlyCap": "1 booking / month",
      "dailyCap": "—",
      "note": "100% off on 2nd ticket using promo code `AXIS200`."
    },
    {
      "channel": "Swiggy Food Delivery",
      "multiplier": "Instant Off",
      "rate": "₹120 off",
      "monthlyCap": "2 orders / month",
      "dailyCap": "—",
      "note": "Valid on min order value of ₹500."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.20 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet reloads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST (SonyLIV Premium included)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived at ₹2 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (52.86% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}