{
  "id": "axis-myzone",
  "locale": "hi",
  "name": "Axis Bank MY ZONE Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST (अक्सर लाइफटाइम फ्री / LTF उपलब्ध)",
  "loungeAccess": "1 घरेलू लाउंज/तिमाही (₹50,000 तिमाही खर्च शर्त)",
  "rewardsRate": "BOGO Paytm मूवीज (₹200/माह) · Swiggy पर ₹240/माह बचत · SonyLIV",
  "bestFor": "Paytm मूवी टिकट्स, Swiggy फूड डिलीवरी और SonyLIV प्रीमियम स्ट्रीमिंग",
  "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": "₹2 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Paytm मूवीज",
      "value": "BOGO ₹200 तक / माह"
    },
    {
      "key": "Swiggy फूड",
      "value": "₹120 छूट (2 बार / माह)"
    },
    {
      "key": "SonyLIV प्रीमियम",
      "value": "1 वर्ष मुफ्त (मूल्य ₹1,499)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "1 विज़िट/तिमाही (₹50k शर्त)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST (या LTF)"
    },
    {
      "key": "RuPay UPI",
      "value": "UPI सक्षम"
    }
  ],
  "earnRates": [
    {
      "category": "सामान्य घरेलू व ऑनलाइन खरीदारी",
      "rate": "0.4% (4 EDGE / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 EDGE (₹400 value)"
    },
    {
      "category": "यूटिलिटी व बीमा",
      "rate": "0.4% (4 EDGE / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 EDGE (₹400 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Paytm मूवी टिकट्स",
      "multiplier": "BOGO",
      "rate": "₹200 तक छूट",
      "monthlyCap": "1 बुकिंग / माह",
      "dailyCap": "—",
      "note": "प्रोमो कोड `AXIS200` के जरिए दूसरे टिकट पर 100% छूट।"
    },
    {
      "channel": "Swiggy फूड डिलीवरी",
      "multiplier": "Instant Off",
      "rate": "₹120 छूट",
      "monthlyCap": "2 ऑर्डर / माह",
      "dailyCap": "—",
      "note": "₹500 के न्यूनतम ऑर्डर पर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "2,500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST (SonyLIV Premium शामिल)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹2 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (52.86% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}