Axis My Zone cashback rate, cap and annual fee
Axis My Zone pays 0.4% on everything, as a base rate. The card costs INR 500 a year.
Axis Bank · India · catalogue v101
Read from Axis Bank's own published terms on 20 Sep 2026.
INR 500Annual fee
0.4%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 0.40% | —Four EDGE REWARD Points per ₹200 on everything not on the exclusion list. |
| entertainment | None | —Movie spending earns no points on this card, which is awkward for a card sold on a cinema offer. |
| fuel | None | —Fuel earns no points. The 1% surcharge waiver still applies, up to ₹400 a statement. |
| rent and property | None | —Rent earns no points. |
| government | None | —Utilities and government institutions earn no points. |
| education | None | —Education earns no points. |
Four EDGE REWARD Points per ₹200 is 0.4% at Axis's own point value, and the exclusion list is long enough to matter: movies, fuel, insurance, wallet loads, rent, utilities, jewellery, education, government institutions and anything converted to EMI all earn nothing. Insurance, wallet loads, jewellery and EMI have no category in this app and are not modelled; the other six are recorded as explicit zeroes. A milestone pays 1,000 points at ₹1.5 lakh of annual spend, worth ₹200, which this app does not model as a rate because it is a one-off. ₹500 to join and ₹500 a year, with no spend-based waiver published. Source: axisbank.com product page, checked 20 Sep 2026.
Questions people ask
What cashback does the Axis My Zone pay?
0.4% on everything, as a base rate.
Is there a cap on the Axis My Zone?
No monthly cap is published on the rates shown here.
What is the annual fee on the Axis My Zone?
INR 500 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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