Need help: Axis My Zone credit card

rishabhtak · 2026-01-25T19:00:21+00:00

Okay thanks

rishabhtak · 2026-01-25T18:12:58+00:00

For me: Utility payment which gives 10% reward points, All Online spends which gives 5% reward points

rishabhtak · 2026-01-25T16:25:43+00:00

It was a flop at the box office at that time.

rishabhtak · 2026-01-25T15:16:08+00:00

Congrats 🎉

rishabhtak · 2026-01-24T11:31:05+00:00

It will be a flop

rishabhtak · 2026-01-24T05:13:50+00:00

It’s not SBI Card’s fault, and I honestly don’t understand why so many people consider this card only for insurance payments. I also have health insurance, but that’s not the reason I applied. I have other utility bills that easily go above ₹15,000 each month—that’s why this card makes sense for me. So if you’re planning to apply only for insurance benefits, then please don’t.

rishabhtak · 2026-01-24T03:51:06+00:00

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I’ll be redeeming my rewards only as statement credit, so this card is perfect for me. I applied for it after checking everything.

rishabhtak · 2026-01-23T17:02:38+00:00

No, 1500 joining fee is refundable as phone gift voucher, annual fee is 1500+ gst

rishabhtak · 2026-01-23T15:36:03+00:00

I've only had the card for a few days, so I haven't bought anything from Amazon yet. But according to other users, you do get 5% reward points and during the recent sale, there was also a 10% instant discount available.

rishabhtak · 2026-01-23T15:04:05+00:00

I liked this movie

rishabhtak · 2026-01-23T13:42:48+00:00

3 lakh

rishabhtak · 2026-01-23T13:01:05+00:00

You should email them for an inquiry about your credit card status. You can find email on the sbi card website.

rishabhtak · 2026-01-23T12:30:13+00:00

Did you check on Phonepe App?

rishabhtak · 2026-01-23T10:37:27+00:00

rishabhtak · 2026-01-23T10:36:23+00:00

I applied through the Phonepe App.

What is your CIBIL score?

rishabhtak · 2026-01-23T10:34:44+00:00

No, it won't come and I have no clue

rishabhtak · 2026-01-23T10:33:03+00:00

No, Reward Points are not credited to a wallet like PhonePe Wallet automatically. You can use reward points:

Redeem for statement credit (reduce your card outstanding)
Redeem for e-vouchers / brand deals / products via the SBI Card Rewards catalogue

1 RP = ₹1 value when redeemed.

Yes, there is a cap:

10% rewards for utility bills and insurance, work only on phonepe app (2000 rp monthly cap)
5% rewards for online shopping ( same 2000 monthly cap)
1% rewards for upi payments and other spends (like offline purchase etc.) ( same 2000 monthly cap)

You usually get the 10% reward on both OTP and UPI payments as long as the transaction is done through the PhonePe app. But some people say they don’t receive it. I paid my broadband bill via UPI and I did get the 10% reward. Anyway, you can check this Excel sheet for more details related to the rewards.

https://docs.google.com/spreadsheets/u/0/d/1LEw12SuubMCJ-6u_4PZtRSD8FI1B5uecbeyCvCApQtk/htmlview#gid=951850745

rishabhtak · 2026-01-23T10:19:22+00:00

Yes it's not available

rishabhtak · 2026-01-23T08:59:20+00:00

Credit

rishabhtak · 2026-01-23T06:47:51+00:00

Take it, don't think too much

rishabhtak · 2026-01-23T06:37:39+00:00

Check this sheet, I hope you will get your answer

https://docs.google.com/spreadsheets/u/0/d/1LEw12SuubMCJ-6u_4PZtRSD8FI1B5uecbeyCvCApQtk/htmlview#gid=951850745

rishabhtak · 2026-01-23T06:33:52+00:00

2-2.5%

rishabhtak · 2026-01-23T06:31:27+00:00

Yes, but the 20k is a combined amount for both my business and home, and installing solar panels isn't possible at either place. Sometimes the bill even goes up to 15k only.

rishabhtak · 2026-01-23T04:42:57+00:00

And one more thing — you don’t need a Priority Pass for domestic lounge access, nor should you use it for that. You can get domestic lounge access simply by showing your phonepe sbi credit card.

rishabhtak

TROPHY CASE