How to apply for the Axis Bank My Zone Credit Card?

To apply for this card, you can either visit the Axis Bank official website and apply online or visit your local branch.

Can I get reward points if I make fuel transactions with the My Zone Credit Card?

No, you cannot obtain reward points for making fuel transactions with this Axis Bank credit card. However, you can get a 1% fuel surcharge waiver between ₹400 to ₹4,000.

How to withdraw money from my Axis Bank My Zone card?

Cardholders can withdraw a specified amount of money from ATMs at any time.

What to do if I lose my card or it is stolen?

In this scenario, it is advisable to contact Axis Bank's customer care helpline at 1860-500-5555.

What is the foreign currency transaction fee charged on Axis Bank My Zone Credit Card?

It is 3.5% of the overall transaction amount on all cross-border transactions.

Axis Bank My Zone Credit Card - Features & Benefits

Name: Axis Bank My Zone Credit Card
Brand: Credit Card
Rating: 4.7 (13554 reviews)

By December 2024, the total number of credit cards in India has reached a staggering 10.80 crore.

Feeling the FOMO? Do not worry! Start your journey with the Axis My Zone Credit Card and unlock a host of benefits across categories like food delivery, entertainment, and online shopping.

Here is a closer look at its features and benefits.

About Axis Bank My Zone Credit Card

The Axis Bank My Zone card is an entry-level credit card designed for tech-savvy users, especially from tier 1 cities. Individuals who like to swipe cards when dining out, booking movie tickets, and shopping online are the target customers.

Since its inception, this low-maintenance card has become a go-to choice for young users seeking convenience in food delivery, entertainment, and shopping.

Axis Bank My Zone Credit Card Benefits

With annual benefits between ₹2,000 and ₹13,499, you can unlock various benefits with the My Zone Credit Card. Refer to the charts below for details.

Details	Monthly Benefits (₹)	Annual Benefits (₹)
Sony LIV Activation (for the first year only)	-	1499
Food ordering at Swiggy using code AXIS120 (valid two times per month)	240	2880
Online shopping at AJIO benefits using code AJIOAXISMZ (conditions apply)	-	4000
Domestic airport lounge access(if you use it twice within a year)	-	2000
Sony LIV Milestone (from the second year onwards on paid cards only)	-	1499
Movie tickets on the District App	200	2400
EDGE rewards	150	1800
Fuel (if one spends on fuel ₹3000 monthly)	30	360
All total benefits (1st year)	-	Upto 13499
All total benefits (2nd year onwards)	-	Upto 13499
Annual benefits as a percentage of spending	-	8.67%

Fees and Charges of Axis My Zone Credit Card

After the perks, know what it will cost you on a monthly and yearly basis.

Type of Charge	Details
Joining fee	₹500 as a standard joining fee.
Annual fee	Nil for the first year. You need to pay ₹500 from the second year onwards.
Cash withdrawal fee	It is 2.5% of the amount withdrawn, applicable to a minimum amount of ₹500 per transaction.
Add-on card joining fee	No fee is charged for add-on cards.
Over-limit fee	A fee of 2% will apply on the over-limit amount, with ₹500 being the minimum charge.
Finance charges	A monthly interest of 3.75% is applicable on the outstanding amounts and cash advances.
Dynamic currency conversion fee	You will be charged 1.5% for international conversions, but it should be billed in Indian rupees instead of foreign currency.
Foreign currency mark-up fee	It is 3.5% of the transaction amount on all cross-border transactions.
Rent payment fee	A 1% fee is applicable on all rent-related transactions made with the Axis My Zone credit card, excluding GST.
Late payment fee	If the minimum amount due is missed for two consecutive billing cycles, penalty is levied as follows: Rs. 500: Rs. 0 Rs. 501 to Rs. 5000: Rs. 500 Rs. 5001 to Rs. 10000: Rs. 750 Rs. 10000 above: Rs. 1200
Wallet load transaction fee	If your wallet load amount exceeds ₹10,000 in one billing period, a 1% fee applies to the surplus amount.
Utility bill payment fee	If it is over ₹25,000 in an invoice period, you will incur a 1% fee.
Online gaming fee	If the total online gaming(skill-based) fee exceeds ₹10,000 in a billing cycle, a 1% fee is incurred.
Railway booking/cancellation fee	It is as prescribed by Indian Railways.
Card replacement fee	It is free of cost.
Reward redemption fee	The amount of the fee may vary.
Cash payment at the branch	You will be charged ₹175 when paying the bill in cash at an Axis Bank branch.
Education payment fee	There is a 1% fee applicable to education expenses made through third-party platforms. GST will be added extra.
Fuel transaction fee	A 1% charge (plus GST) is levied on total fuel spent once it exceeds ₹50,000 within a single statement cycle.
Cheque return fee	It is 2% of the transaction amount, starting from ₹500.
Mobile alerts, balance checks, and hotlisting	These are free of charge.
GST	The charge is imposed as per government norms.

Axis Bank My Zone Credit Card Eligibility Criteria

To obtain the Axis My Zone Credit Card, you will have to fulfil the following criteria:

The age of the primary cardholder must be between 18 to 70 years.
The minimum age criteria for add-on cardholder(s) is above 15 years.
The primary cardholder must have a stable income source.
All cardholders must have Indian citizenship or be NRIs.

My Zone Credit Card Complimentary Airport Lounge Access

The Axis My Zone Credit Card provides complimentary access to domestic airport lounges in tier 1 cities once every quarter. Starting May 1, 2024, this access will be granted only if you have a minimum spend of ₹50,000 in the last three consecutive months.

These four complimentary airport lounge accesses each year are particularly valuable, especially considering that this card is available for a low joining fee of ₹500.

Key Facts to Know Before You Apply

Apply for the Axis My Zone Credit Card if:

You are looking for direct discount offers.
You frequently access platforms like Swiggy, Ajio and District by Zomato.
A complimentary Sony LIV membership is considered a valuable benefit for you.
You are looking for a low-maintenance card packed with benefits across various brands and categories.

Similar Credit Cards

Explore alternative credit cards with benefits comparable to the Axis My Zone Credit Card:

SBI SimplyCLICK Credit Card
HSBC Smart Value Credit Card
HDFC Millennia Credit Card
Standard Chartered Super Value Titanium Credit Card

Whether movie tickets, instant discounts on Swiggy, or EMI conversions, the Axis My Zone Credit Card offers exciting benefits for tech-savvy Indians. Just submit your ID, address, income proof, and a photo to get the card.

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