Axis My Zone Credit Card: Features, Benefits & Apply Online

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Key Highlights of the Axis Bank MY ZONE Credit Card

Check out the highlights of this lifestyle credit card:

Joining Fee	Just ₹500 + GST
Annual Fee	Pay ₹500 + GST from the 2nd year onwards
Suitable for	Rewards on lifestyle spends
Key Feature	Shop or dine at select outlets and pay with reward points
Shopping Perks	Get ₹1,000 off on AJIO shopping of ₹2,999

Features and Benefits of Axis Bank My Zone Credit Card

Enjoy various shopping, dining, and entertainment benefits using this Axis Bank Credit Card.

Assured Rewards

Earn 4 reward points for every ₹200 you spend on eligible purchases

1 + 1 on Movie Tickets

Apply the coupon code AXIS200 to get your second movie ticket for free (up to ₹200 off per month) on Paytm Movies.

SonyLiv Premium Subscription

Get a complimentary subscription worth ₹999 on making your first purchase within 30 days of receiving the card. Additionally, spend ₹1.5 Lakhs* in a card anniversary year and get a free renewal.

Swiggy Discount

Get up to ₹120 off, twice a month, on food delivery orders of ₹500 and above on Swiggy.

Airport Lounge Access

Enjoy complimentary access to select domestic airport lounges once per quarter when you spend ₹50,000 or more in the last 3 months.

AJIO Shopping Perks

Use the coupon code AJIOAXISMZ and save up to ₹1,000 on purchases of ₹2,999 and above at AJIO.

Fuel Surcharge Waiver

Avoid up to ₹400 in fuel surcharge with a 1% waiver on refills between ₹400 and ₹4,000.

Easy EMI Conversion

Convert your big-ticket purchases into manageable EMIs for all transactions exceeding ₹2,500.

Pay With Reward Points

Combine your reward points and credit card limit to shop or dine at participating outlets.

Secure Spending

Minimise the risk of fraud, such as skimming and counterfeiting, with an EMV chip card.

Exclusive Network Offers

With a Mastercard credit card, login to Mastercard Shop Perks to get exclusive cashback offers.

Dining Club Offers

Get a 15% discount once a month on minimum orders of ₹2,500 at restaurants that are part of Dining Delights.

One-stop App

Manage your credit card using ‘open’, the mobile banking app from Axis Bank that offers 100+ features and services.

*Applicable for paid cards only. Spends will not include Rent and Wallet transactions.

Axis Bank MY ZONE Credit Card’s Rewards Program

The EDGE REWARDS loyalty program is at the heart of Axis Bank’s reward ecosystem. With nearly 500 options to choose from, you can easily redeem the points you collect via your Axis Bank MY ZONE Credit Card.

1. Reward Points

Axis Bank reward points are termed EDGE REWARDS. On every ₹200 you spend using your MY ZONE Credit Card, you can earn 4 EDGE REWARD points except for spends in specified categories.

The exceptions include expenses such as education, fuel, rent, wallet, utilities, insurance, and EMI payments. Any payments made towards movie tickets, jewellery, or to government institutions are also not eligible.

Here is an example to understand how this works:

Purchase (Monthly)	Amount	Reward Points	Savings
Swiggy Order	₹1,300	26	₹240
Fuel Expenses	₹3,000	-	₹30
Movie Tickets	₹700	-	₹200
Groceries	₹7,500	150	-

Disclaimer: The above example is for illustration purposes only.

2. Redemption Process

Redeem your reward points by logging in to the Edge Rewards portal via net banking, the Axis Bank mobile app or the dedicated website. You can redeem points by purchasing products and vouchers from brands such as Apple, VIVO, Myntra, Phillips, Makemytrip, and more.

Axis Bank also allows you to redeem points against flight tickets, hotel bookings, and experiences. You will need to pay a rewards redemption fee as per the points you redeem, so plan for this beforehand.

Here are the applicable reward redemption charges:

EDGE REWARD Points	Reward Redemption Fee
More than 10,000	₹99
300 - 10,000	₹49
Less than 300	₹0

3. Expiration

All the reward points you earn will expire three years from the date of your transaction.

4: Example of Savings

With reference to the example above, here is a look at what your annual expenses and savings may amount to:

Category	Monthly Benefit	Annual Benefit (₹)
SonyLIV Subscription	-	999
Swiggy Orders	₹240	2,880
AJIO Online Shopping	-	4,000
Paytm Movie Tickets	₹200	2,400
Fuel Spends	₹30	360
Airport Lounge Access	-	2,000
Groceries	150 Reward Points	1800 Reward Points
Total Benefits	-	12,999

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

On the EDGE REWARDS portal, you can redeem points by choosing from a range of products, such as electronics, decor, hotel bookings, and more. The higher the number of reward points you plan to redeem, the higher the redemption fee. Make sure to plan your redemption strategy beforehand to maximise the value of your points.

Explore Axis Bank MY ZONE Credit Card

Fees and Charges Associated with the Axis Bank MY ZONE Credit Card

Here are all the charges you can expect to incur when using this Axis Bank card:

Fee Type	Details
Joining Fee	₹500
Annual Fee (2nd Year Onwards)	₹500
Reward Redemption Fee	₹99, ₹49, or ₹0, depending on reward point quantities
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	Can go up to 52.86% per annum
Minimum Amount Due	2% as per this calculation: 100% of (Interest/Finance Charge, Loans, Fees, Taxes) + 2% of (purchases/Cash Withdrawals)
Late Payment Fee	Can go up to ₹1,200 based if the overdue balance is greater than ₹10,000
Foreign Transaction Fee	3.50% of the transaction amount

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility and Documents Required

Check the Axis Bank MY ZONE Credit Card eligibility terms in advance and keep all required documents ready. To apply, you need to be:

Between 18 years to 70 years old
An Indian resident or a Non-resident Indian (NRI)
Creditworthy with a good credit score

Here is the general list of documents you will need to submit:

PAN card or Form 60
Address Proof:
1. Utility bill (electricity, landline)
2. Ration card
3. Passport
Income Proof:
1. Latest salary slips, Form 16
2. Income Tax Returns (ITR)

How to Apply for Axis Bank My Zone Credit

To get the Axis Bank MY ZONE Credit Card easily, simply apply online. Follow the steps below to through Bajaj Markets and submit your application conveniently.

Click on ‘Check Eligibility’ and fill in the required details, including your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your mobile number
Check the pre-filled details like your PAN card number, residential PIN code, email address, and income information
Apply for the card that suits your needs from the listed options
Click on ‘Submit’ to complete your application

Axis Bank Customer Care

In case of any questions, you can reach out to Axis Bank’s customer care team via phone:

Call 1860 419 5555, 1860 500 5555, or 1800 103 5577 (toll-free) within India
For NRI customers, these are the country-wise numbers:

USA

1855 205 5577

Saudi Arabia

800 850 0000

0808 178 5040

UAE

8000 3570 3218

Qatar

00 800 100 348

Singapore

800 1206 355

Canada

1855 436 0726

Australia

1800 153 861

Axis Bank MY ZONE Credit Card vs Others

Before applying for the Axis Bank MY ZONE Credit Card, compare its benefits with those of other cards from the same issuer. Here is a table that makes comparison easy:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
Axis Bank MY ZONE Credit Card	❌	✅	✅	❌
Axis Bank NEO Credit Card	✅	❌	❌	❌
Indianoil Axis Bank Credit Card	✅	❌	✅	❌
Axis Bank SELECT Credit Card	❌	✅	✅	✅

Disclaimer: The benefits mentioned above may change as per the policies of Axis Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

How can I increase my Axis Bank MY ZONE Credit Card’s limit?

Call 18604195555 or 18605005555 or SMS CLE XXXX (last four digits of your credit card number) from your registered mobile. This way you can check if you are eligible for an increase in credit limit. Axis Bank offers an increase based on your income, active use of the card, and no delays in payments.

What are the charges for an Axis Bank MY ZONE Credit Card add-on card?

Add-on cards are available free of cost with your Axis Bank MY ZONE Credit Cards.

How many days do I get to pay my Axis Bank MY ZONE Credit Card bill?

You are required to pay your bill amount by the end of the billing cycle. This also marks the end of the interest-free grace period of up to 30-50 days from the date of the transaction.

Can I transfer the points or miles earned on my Axis Bank MY ZONE Credit Card?

Yes, you can transfer your EDGE REWARD points to loyalty program partners across selected airlines and hotels.

What is ‘Points Plus Pay’ and is it available on my Axis Bank MY ZONE Credit Card?

‘Points Plus Pay’ is a unique feature that lets you redeem any reward you like, even if you don’t have the points for it. If you have 300 points, you can use the ‘Points Plus Pay’ feature to pay for the amount you are short of. You can even pay using other credit cards.

When can I start redeeming the points collected on my Axis Bank MY ZONE Credit Card?

You can start redeeming your points as soon as you collect 300 points.

Are there any restrictions on earning EDGE REWARDS points?

You can earn a minimum of 80 EDGE REWARD points and a maximum of 1,000 EDGE REWARD points in a month.

How can I maximise my savings using the Axis Bank MY ZONE Credit Card?

To ensure that you make the most of your card, use it for lifestyle spends, such as shopping, dining out, and travel. That way, you can enjoy savings of up to ₹12,999 per year.