With the My Zone credit card by Axis Bank, you can avail discounts on all your daily expenses made with the card. It offers cashback on movie ticket purchases, complimentary lounge access at airports, and a fuel surcharge waiver as well. The card comes with an interest of 46.78% per annum and with a joining fee of Rs.500 which is waived if you spend more than Rs.5,000 within the first 45 days. An annual fee of Rs.500 is also charged from the 2nd year onwards.
The earned reward points can be redeemed for 500+ rewards and offers listed in Axis eDGE Loyalty Rewards Catalogue.
Free lounge visits: Axis My Zone Credit Card users can enjoy 4 complimentary visits per year to participating airport lounges within India.
Cashback on movie bookings: Movie ticket booking made using the My Zone Credit Card will make you eligible for a 25% discount on the total booking account. The offer is valid throughout the week for both online and box office bookings made using the card.
A secure card: The Axis Bank My Zone Credit Card is an EMV certified chip card that is protected by chip as well as a PIN. The inbuilt chip enables more secure transactions than a magnetic strip card. It reduces the risks of counterfeit and skimming fraud.
Fuel surcharge waiver: Get 1% fuel surcharge waiver for fuel transactions carried out at all fuel stations across India. The waiver is valid on card transactions between Rs.400 and Rs.4,000. The maximum surcharge waiver is capped at Rs.400 per billing cycle.
Dining privileges: Under Axis Banks ‘Dining Delights’ programme, you enjoy a minimum 15% off on dining bills at select restaurants in the country.
Convert purchases to EMI: Any purchase above Rs.2,500 made using the card can be converted into easy monthly instalments by contacting the bank. You can repay the amount in tenures of 6, 9, 12, 18, or 24 months.
Axis Bank My Zone Credit Card Fees and Charges
Type of Charge
Rs.500 (waived off on spends of Rs.5,000 within 45 days of the card issuance)
Rs.500 (2nd year onwards)
3.90% per month
Cash withdrawal fee
2.5% of the transaction amount or Rs.250, whichever is higher
Add-on card fee
Late payment fee
If the statement balance is
Up to Rs.100 – NIL
Rs.101 to Rs.300 – Rs.100
Rs.301 to Rs.1,000 – Rs.300
Rs.1,001 to Rs.5,000 – Rs.500
Rs.5,001 to Rs.20,000 – Rs.600
Rs.20,001 and above – Rs.700
Over limit penalty fee
3% of the over-limit amount or Rs.500
Cash payment fee
Duplicate statement fee
Cheque return or auto-debit reversal fee
Foreign currency transaction charge
3.5% of the transaction value
Eligibility for applying for the Axis Bank My Zone Credit Card
People who meet the following conditions can apply for the My Zone Credit Card.
The age of the primary cardholder must be in between 18 to 70 years of age.
For add-on cards, the minimum age limit is 15 years.
The applicant can be a resident of India or an NRI.
Necessary documents to apply for Axis Bank My Zone Credit Card
Photocopy of your PAN card/ Form 60
Income proof - IT return copy/ Latest payslip/ Form 16
Proof of your Identity
Your Residential proof
A photocopy of your Passport
Your electricity bill
Your landline telephone bill
Axis Bank My Zone Credit Card FAQs
How long will the bank take to approve my Axis Bank My Zone Credit Card application?
You would know about the decision on your application for the Axis Bank My Zone Credit Card within 21 working days from the date the bank receives your request.
What is the maximum cashback amount for movies that the Axis Bank My Zone Credit Card offers?
The cashback amount for movies on the My Zone Credit Card is capped at Rs.1,000 per calendar year.
Will I earn reward points on fuel transactions with my Axis Bank My Zone Credit Card?
No, you do not earn any reward points on fuel transactions with the My Zone Credit Card.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
Axis bank credit card is my first credit card. Since i have a salary account with the Axis bank they have provided me a zero annual fee credit card. If i have a discrepancy, i will contact the Axis bank branch directly to sort out my issue. I am holding the Myzone credit card and they have benefits like providing good rewards points based on my purchase.
I am using Axis my zone bank credit card for 2 years, I have a credit limit of 86000, which is recently enhanced. I applied via bank executive, verification was done smoothly and I received the card with in 10 days. It is a life time free credit card and received 5000 points as a joining bonus.
I'm using AXIS Bank my zone credit card for the past 6 to 7 years and their customer care service is really fine. I need not to pay the annual fee for this card.This card has many benefits like reward points, restaurant ,movie ticket offer, discounts in shopping malls and also i am getting offer in reliance fresh , big bazaar,airport lounge benefits and 1 flight ticket free.
In Axis bank, I'm holding my zone credit card. I get the movie ticket offers and shopping. Based on the rewards points, i have done a lots of purchase. I have already recommend this card to my friend since I'm using it for more than 5 years. They charged me a annual fee of Rs. 499 and it will get waived off based on the rewards points. I make the payment through online.
I am using AXIS bank my zone credit card more than 8 years. This bank is very supportive, no need to call the customer care they mentioned all terms and condition. Credit limit is good and sufficient.I am getting reward benefit and also i used it. I got this offer directly from bank.
Always I'm getting a prompt response from Axis bank. I do use the card for ticket booking and i get some offer as well. I'm a customer of this bank hence they have provided me a free card Its my zone card. They have provided me a limit of more than Rs. 2 lakhs.
In Axis bank, they have provided me a life time free card and the good limit when i compared to other bank credit cards. Its a my zone card and i will be getting a benefits of fuel sur charges. I get Rs. 1500 cash back on Wednesday flight ticket booking, cash back on movie ticket booking, airport lounge access also available. I'm happy about the card since I'm using it for a long time. If i use the card for Rs. 30000 quarterly, i will be getting 2500 bonus rewards points.
Axis bank card is too good and we love their services. I'm getting rewards points and cashbacks. They are providing me a credit limit of around of Rs. 1 lakh. Its a my zone card and i will not use the card much hence I'm not aware of much benefits. I use this card mainly for hotel booking and there is a cashback for dining. Even if delay in payment, they won't harass the customers.
I have applied this card directly from bank. I am using AXIS bank my zone card .This can be use for shopping purpose, I am not satisfied with the credit limit so far and this was a chargeable card, I would like to suggest to increase my credit limit.Till now i didn't contact customer care.
Purchased my Axis bank credit card before 2 years ago. They have offered me a limit of Rs. 1 lakh and its a myzone card. I'm not aware of the benefits now but they have explained the features when i purchased the card. I am making the payment through their app and its easy to use.
I am using credit card with Axis bank hence its easy to make the bill payment and their customer care service is good. I do the payment on time hence I'm not aware of the interest rate and late fee charges. I have been using this card for past 3.5 years. They have not enhanced my credit limit till now. There is no annual fee on myzone credit card.
I have a credit card with Axis Bank and they are supporting good. I use Myzone credit card for last one year. The credit limit is around 1L which is okay and am not using the card much. The annual fee is applicable and have to pay Rs.500 per annum. I got the reward points and many times received cash back.
It is been 2 years, am using Axis Bank credit card. They have not increased the limit. I have Myzone Visa Platinum card and the annual fee is Rs.500. They are giving me cash back offer during festival season. Also reward points are applicable.
I h ave Axis Bank credit card which was taken through Bank directly.The credit limit was upto 45,000.I am using this credit card for the past 6 months only.This was a life time free card and there are good reward points as well as cash back offers.According to me everything was good on this card .
I have Axis Bank credit card which is my zone card, this was a free card using for the past 5 months .The agent gave all the information about the card process and submitted documents as well .I am getting cash back offers and reward points which is really good .I am satisfied with the service so far .
I have Axis My Zone card which was taken through Bank directly.The credit limit was really sufficient and it was upto 75,000.There are good reward points as well as cash back offers which is very useful.I have got all the relevant details about the card process very clearly through the agent and this card is good to use as well.
My zone credit card, I'm using from Axis bank. I'm getting a extra cashback offers based on my purchases. They have provided me a credit limit of Rs. 45000 and there is a annual to be paid around Rs. 800. I used to pay the bills on time every month. I make the bill payment through online.
I have a my buzz credit card from Axis bank. I totally say that Axis bank is providing me a very good service and i get a other service like RD, loan and the branch also easily accessible. While using the internet banking, its convenient to use. When i purchased in Bata showroom, they gave me some discount when i swipe the Axis bank credit card like this i get a lot of offers. Even they are providing a insta loan amount based on my 80% of credit limit.
I have my zone credit card from AXIS for last two years, I am getting good cash back at the selected partners hence that would be useful for me. But this card has a yearly fee however its quite reasonable one, they do have flexi pay and balance transfer option.
I am also using Axis Bank credit card for last 6 to 7 years and am happy with it. The customer support is very good. I have tried EMI conversion and the charges are reasonable. I think, its annually free. I have Myzone card and the limit was good.