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Axis Bank MY Zone Credit Card

Product Details
Credit Card Name : 

Axis Bank MY Zone Credit Card

Bank Name :

Axis Bank

Type :

Shopping Credit Card

Interest Rate : 

3.6% per month, 43.2 % annualized

Eligibility :

Primary cardholder should be between the age of 18 and 70 years .
Add-on cardholder should be over 15 years.
The individual should either be a Resident of India or a Non-Resident Indian.

Axis Bank MY Zone Credit Card
Pros
  • Welcome Benefit: Get SonyLiv premium annual subscription worth INR 999 on your first spend within first 30 days of card issuance.

  • Users can get 100% off on second movie ticket at paytm movies upto INR 200, applicable once per month.

  • Users also get a Complimentary SonyLiv Premium annual subscription.

  • Users are eligible for 4 complimentary lounge access per year, Flat 120 off on Swiggy twice per month, and INR 1000 off on AJIO (one time benefit). 

  • Users can earn 4 EDGE REWARD points with every INR 200 spent on the credit card. 

  • Users also get a 15% discount of restaurants with Dining Delight offer. 

Cons
  • Low cashback rate. 

  • Cashback on Swiggy is limited to 2 times per month.

  • Limited value add features. 

Pros & Cons
Welcome Benefits

Welcome Benefit: Get SonyLiv premium annual subscription worth INR 999 on your first spend within first 30 days of card issuance.

Rewards System

Reward System: You earn 2 edge reward points for every INR 100 spend using My Zone credit card. Value of 1 edge reward point = INR .20. Cashback rate: 0.4%.

International Forex Markup

3.5% of the transaction value

Welcome Benefits and Reward System
Special Features

Complimentary SonyLiv Premium annual subscription

Eligibility Criteria

Primary cardholder should be between the age of 18 and 70 years .
Add-on cardholder should be over 15 years.
The individual should either be a Resident of India or a Non-Resident Indian.

Benefits
  • 25% cashback on movie tickets: You will get 25% cashback on movie tickets booked through BookMyShow. 5% cashback on weekends: You will get 5% cashback on all your purchases made on weekends. 1% fuel surcharge waiver: You will get a 1% fuel surcharge waiver on fuel purchases up to Rs. 400 per statement cycle.

  • Complementary airport lounge access: You will get one complimentary access to select airport lounges within India per calendar quarter.

  • No annual fee in the first year: You will not have to pay any annual fee in the first year of card membership.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the Axis Bank MY Zone Credit Card online or offline. Here are the steps on how to apply online:

  • Go to the Axis Bank MY Zone Credit Card website.

  • Click on the "Apply Now" button.

  • Enter your personal details such as your name, email address, and mobile number.

  • Enter your income and employment details.

  • Upload a scanned copy of your PAN card and Aadhaar card.

  • Select the credit limit you want.

  • Click on the "Submit" button.

  • An Axis Bank representative will contact you to verify your details and complete the application process.

Contact Details

1862 419 5555 & 1860 500 5555

Account Opening and Procedure
Axis Bank My Zone Credit Card

Axis Bank My Zone credit card is a good credit card for youngsters, students, and freshers. However, due to low cashback rate it has limited attraction to people who are looking for a premium credit card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining fee: Rs. 500 

  • Annual  fee -1st Year: Nil, 2nd Year onwards: Rs. 500

  • Cash withdrawal fee from ATM - 2.5% of the cash amount.

  • Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200.

  • Finance charges (Retail purchases and cash)        3.6% per month (52.86% per annum)

  • Reward Redemption fee: INR 99

  • Interest rate: 3.6% per month, (52.86% per annum).

Fuel Surcharge

1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to INR 400 per month.

Billing Cycle

30 Days

Fees & Charges
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