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When it comes to credit cards, Axis Bank seems to have all the consumer-oriented products to offer. If you are a cinephile who loves to spend their time off in multiplexes or a foodie who delights their palate with various cuisines, then the Axis Bank MY ZONE Credit Card is the right product for you!


The Axis Bank MY ZONE credit card provides attractive offers on movies and food delivery. In addition, the credit card gives access to airport lounges and enables you to convert higher credit card transaction amounts into easy EMI and much more! Furthermore, you get a chance to earn Axis EDGE credit card reward points.

Key Highlights of Axis Bank MY ZONE Credit Card

  • Best-suited for entry-level applicants
  • Instant discount on Swiggy food delivery 

  • You can get up to 15% offer on dining

  • Get up to Rs. 1000 off on AJIO on minimum spends of ₹2999 on select styles

  • Complimentary SonyLIV Premium annual subscription

  • Chance to earn EDGE Rewards

  • Complimentary access to airport lounge once every quarter

  • EMI option on purchases above ₹2,500

  • 1% fuel surcharge waiver on all fuel spends within India

  • Axis Add-on credit card option is available

  • You can join by paying a nominal fee of ₹500

How to Apply for Axis Bank MY ZONE Credit Card

Follow the steps mentioned below to apply for Axis Bank MY ZONE Credit Card:


1. Visit the official website of Bajaj Markets


2. Provide the requested information such as mobile number, date of birth, and employment status


3. View the list of Axis Bank credit cards available at the website


4. Select a credit card as per your requirement


5. Submit the form and complete the credit card application process

Eligibility Criteria & Documents Required for Axis Bank MY ZONE Credit Card

Eligibility Criteria for Axis Bank MY ZONE Credit Card

  • Nationality: You must either be a resident of India or a non-resident Indian.

  • Age: The age of the primary cardholder must range between 18 and 70 years. Additionally, the age of the add-on cardholder should be above 15 years.

2. Documents Required to Apply for Axis Bank MY ZONE Credit Card

Following is a list of documents that you must submit while applying for Axis Bank MY ZONE Credit Card:

  • Residential proof (passport/ electricity bill/ landline telephone bill/ ration card)

  • Identity proof (passport/Aadhaar card/driving licence/PAN card)

  • Income proof (latest payslip /Form 16/IT return copy)

  • PAN card photocopy or Form 60

  • Colour photographs


Disclaimer: The above-mentioned eligibility parameters and document list are at the discretion of the bank. You may need to fulfil specific eligibility criteria or furnish additional documents depending on your profile.

Offers on Axis Bank MY ZONE Credit Card

You can enjoy the following Axis Bank MY ZONE Credit Card offers on your card:


  • Enjoy Buy One Get One (BOGO) offer on movie tickets at Paytm Movies

  • Instant discount per order (worth up to ₹120) on food delivery at Swiggy against a minimum spend of ₹200 with MY ZONE Credit Card. This offer is applicable up to 4 times a month

  • Get up to Rs. 1000 off on AJIO on minimum spends 

  • 1% surcharge waiver on all fuel transactions within India

  • Up to 15% offer on all partner restaurants in India under the ‘Dining Delights’ program

Axis Bank MY ZONE Credit Card Rewards

Online shopping or transactions become much more exciting when you get the chance to earn reward points. You can earn 4 EDGE REWARD points with each ₹200 spent on the Axis Bank MY ZONE Credit Card. Redeem your EDGE REWARD points by using the Axis Bank Rewards catalogue. Remember, the Axis Bank MY ZONE Credit Card reward point cannot be redeemed for movie, fuel, and EMI transactions.

Features and Benefits of Axis Bank MY ZONE Credit Card

Discount on Movie Tickets

With the Axis Bank MY ZONE Credit Card, you can get a 100% discount on the second booking of a cinema ticket at Paytm Movies. The maximum limit allotted is ₹200 per consumer in a month. To avail the benefit, use the coupon AXIS200.

Offer on Swiggy

If you order food at Swiggy with the Axis Bank MY ZONE Credit Card, then you can enjoy instant discount on delivery. For this, use the coupon code AXIS120.

Free SonyLIV Premium Subscription

Get SonyLIV Premium annual subscription worth ₹999 against the first transaction within 30 days of card issuance. Please note, SonyLIV Premium subscription renewal is permitted against spending ₹1.5 Lakhs in a card anniversary year.

Complimentary Lounge Access

By using Axis Bank MY ZONE Credit Card, you can unlock the benefit of accessing select airport lounges in India once in every quarter.

Fuel Surcharge Waiver

You can get a 1% surcharge waiver on fuel spent at all petrol pumps across India. Further, you can get a surcharge refund on fuel spending (worth up to ₹400 per statement cycle) on Axis Bank MY ZONE Credit Card if the billing amount ranges between ₹400 and ₹4,000.

Offer on AJIO Shopping

Get up to ₹1000 off on AJIO against a minimum shopping of ₹2,999. Use the coupon code AJIOAXISMZ to unlock this benefit.

Convert Into Easy EMI

Enjoy the facility to convert a big-ticket purchase (any transaction above ₹2,500) into affordable EMIs with the Axis Bank MY ZONE Credit Card.

Earn Reward Points

Save on your online shopping and transactions by earning 4 EDGE Reward points on Axis Bank MY ZONE Credit Card transactions.

Enjoy Maximum Security

With the Axis Bank MY ZONE Credit Card, you need not worry about the card protection. This credit card is protected with an EMV-certified chip and a PIN that effectively lowers the chances of counterfeit and fraud.

Get Dining Offers

The ‘Dining Delights’ program of Axis Bank allows all ‘MY ZONE Credit Card’ users to get an offer up to 15% at all the partnered restaurants across India.

Grab Network Offers

Mastercard holders can get attractive cashbacks on popular brands by logging on to ‘Mastercard Shop Perks’.

Now that you know the benefits and features of Axis Bank MY ZONE Credit Card, let’s move on to learn the applicable fees and charges on this particular card.

Fees and Charges of Axis Bank MY ZONE Credit Card



Joining Fee


Annual Fee 

1st year: Nil

2nd year onwards: ₹500

Joining Fee of Add-on Card 


Annual Fee of Add-on Card 


Fee Related to Card Replacement 


Finance Charges (Retail Shopping & Cash)

3.6% per month (52.86% p. a)

Cheque Return/ Dishonour Fee/ Auto-debit Reversal         

2% (minimum  ₹450) of the payment sum   

Fee Related to Cash Withdrawal

2.5% (minimum ₹500) of the cash amount

Fee Related to Cash Payment   


Fee Related to Charge Slip Retrieval or Copy Request


Fee Related to Duplicate Statement


Fee Related to Outstation Cheque 


Mobile Alerts for Transactions


Overdue Penalty or Fee Related to Late Payment

  • Up to ₹300: Nil

  • ₹301 to ₹500: ₹100 

  • ₹501 to ₹1,000: ₹500 

  • ₹1,001 to ₹10,000: ₹500 

  • ₹10,001 to ₹25,000: ₹750

  • ₹25,001 and ₹50,000: ₹1000

  • ₹50,001 and above: ₹1000

Over Limit Penalty  

2.5% of the overlimit amount (minimum  ₹500)

Purchase or Cancellation Surcharge (Railway Tickets)

According to the guidelines laid down by the IRCTC or the Indian Railways

Fee Related to Reward Point Redemption        



Fee Related to Foreign Currency Transaction  

3.50% of the transaction value


Balance Enquiry Charges     



Hotlisting Charges



According to the existing government regulations


Keep in mind the late payment charges of Axis Bank MY ZONE Credit Card and other charges and manage your finances wisely.

Axis Bank MY ZONE Credit Card Customer Care

If you are an Axis Bank MY ZONE Credit cardholder you can utilise the personal phone banking services from anywhere in India. Some important Axis Bank MY ZONE Credit Card customer care numbers are given below:


  • 1 860 419 5555, 1 860 500 5555 (charges applicable)

  • +91 22 6798 7700 (for customers who are living in foreign countries)

  • +91 22 6798 7700 (dial this 24-hour Emergency Helpline Number to block credit/debit/prepaid cards)


You can avail the credit card & account services from 8:00 a.m. to 8:00 p.m.

Similar Cards Offered by Axis Bank

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Axis SELECT Credit Card

Axis SELECT Credit Card is best suited for shopping, dining and entertainment.


Axis Neo Credit Card

Axis Neo Credit Card is perfect for shopping, dining and entertainment.

Axis INDIAN OIL Credit Card

Indian Oil Axis Bank Credit Card is best suited for travelling, dining and entertainment.


FAQs on Axis Bank MY ZONE Credit Card

The Axis My Zone credit card limit primarily depends on your gross annual income and credit reports. While allotting a credit limit, Axis Bank assesses factors like your repayment cycle, previous dues or debts, total credit accounts, etc. After assessing these factors, the bank decides the credit card limit for your MY ZONE Credit Card.

When you obtain an Axis Bank MY ZONE Credit Card, you get a line of credit to make purchases as well as take cash advances which you can repay later. The card issuer levies interest and other charges for the services provided. When you use Axis Bank MY ZONE Credit Card, you must pay the minimum due amount every month within the due date on the balance.

Yes, you can withdraw money from your Axis Bank MY ZONE Credit Card during an emergency. You can withdraw a specific amount any time within the credit card limit. However, you have to pay a cash withdrawal fee of 2.5% (minimum ₹500) of the transacted cash amount.

No, you cannot earn reward points on fuel transactions with the Axis Bank MY ZONE Credit Card. However, you can get 1% fuel surcharge waiver and fuel surcharge refund of ₹400 per statement cycle on transactions between ₹400 and ₹4,000.

You can now easily generate your credit card PIN whenever it's convenient for you. Visit the nearest Axis Bank ATM to generate your credit card PIN at any time, or call the customer service to set any four-digit PIN of your choosing.


Step 1: Contact the Axis Bank Customer Care at 1860 500 5555 or at 1860 419 5555. 

Step 2: Go to the Credit Cards section, and then navigate to the “Generate a PIN” tab. 

Step 3: Generate your passcode for activation 

Step 4: Validate your details such as date of birth, credit card number, its expiry date, and registered phone number to complete the process.

3.5% of the transaction value is paid as the foreign exchange transaction fee for using the Axis Bank My Zone Credit Card. As a result of the high fees, this credit card is not recommended for transactions involving foreign currencies.

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