The Axis Bank My Zone Credit Card is designed as an entry-level solution with perks spanning shopping, dining, and entertainment. With an accessible annual fee of Rs. 500, this card delivers an array of lifestyle advantages and discounts on well-known platforms such as AJIO and Swiggy. It uniquely offers a complimentary yearly membership to SonyLIV, positioning it among the few low-fee cards granting OTT platform access.

An attractive benefit of the Axis Bank My Zone Credit Card is the flat Rs. 120 Swiggy discount available twice monthly, appealing to moderate spenders who favor Swiggy for food delivery. Additionally, it brings entertainment rewards via Paytm Movies and SonyLIV. For shopping enthusiasts, the card enables savings of up to Rs. 1,000 on AJIO transactions.

However, the rewards system may not meet expectations, offering just 4 EDGE reward points per Rs. 200 spent. The redemption value also falls short at Rs. 0.20 per point. Furthermore, several categories such as movies, fuel, insurance, wallets, rent, utilities, education, government payments, and EMI transactions are excluded from earning reward points.

Besides co-branded features, the Axis Bank My Zone Credit Card provides additional perks such as 1 complimentary quarterly access to select airport lounges in India and a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000. Transactions over Rs. 2,500 are eligible for EMI conversion. Through the 'Dining Delights' program, users can enjoy up to 15% off (capped at Rs. 500) in partner restaurants across India via EazyDiner.

This credit card represents a good fit for those seeking an entry-level card with benefits in shopping, dining, and entertainment. It’s particularly advantageous for frequent Swiggy users and enthusiasts of Paytm Movies and SonyLIV. Nevertheless, individuals looking for general rewards and higher point accrual might explore alternative cards. The card's lifestyle perks are brand-specific, potentially restricting choices for some. It’s crucial to assess the terms, personal spending habits, and preferences before determining if this card aligns with your financial goals.