The Axis Bank My Zone Credit Card is an entry-level lifestyle credit card that offers benefits across a number of different categories. From unlimited entertainment with OTT subscription to exclusive discounts on platforms like Ajio, Swiggy, and more, this card is one of the best low-cost options available.
Here are some of Axis Bank MY ZONE Credit Card’s standout features:
Best-suited for entry-level applicants
Instant discount on Swiggy food delivery
You can get up to 15% offer on dining
Get up to ₹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
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.
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 ₹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
Follow the steps mentioned below to apply for Axis Bank MY ZONE Credit Card:
Here’s a list of Axis Bank credit cards that are comparable to the Axis Bank MY ZONE credit card:
Credit Card |
Ideal for |
Axis SELECT Credit Card is best suited for shopping, dining and entertainment. |
|
Axis Neo Credit Card is perfect for shopping, dining and entertainment. |
|
Indian Oil Axis Bank Credit Card is best suited for travelling, dining and entertainment. |
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.
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
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.
Particulars |
Amount |
Joining Fee |
₹500
|
Annual Fee | 1st year: Nil 2nd year onwards: ₹500 |
Joining Fee of Add-on Card |
Nil |
Annual Fee of Add-on Card |
Nil |
Fee Related to Card Replacement |
₹100 |
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 |
₹100 |
Fee Related to Charge Slip Retrieval or Copy Request |
Waived |
Fee Related to Duplicate Statement |
Waived |
Fee Related to Outstation Cheque |
Waived |
Mobile Alerts for Transactions |
Free |
Overdue Penalty or Fee Related to Late Payment |
|
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 |
Nil |
Fee Related to Foreign Currency Transaction |
3.50% of the transaction value |
Balance Enquiry Charges |
Waived |
Hotlisting Charges |
Nil |
GST |
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.
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 AM to 8:00 PM.
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.