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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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 credit 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.
Welcome benefit: A bulk 100 points will be credited when the card is used for online shopping for the first time.
Rewards point programme
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.
The Axis Bank My Zone Credit Card provides special cashback offers, discounts, and rewards on categories like shopping, dining, online transactions and a lot more.
The official website of Axis Bank enables you to apply for the My Zone Card.
BankBazaar also allows you to check your credit card eligibility, and initiate and submit the online application along with the documents for getting the card. If you are considering
BankBazaar for the card application process, you can follow the steps below.
| Type of Charge | Amount |
|---|---|
| Joining fee | Rs.500 (*Lifetime free on selected channels)) |
| Annual fee | Rs.500 (*Lifetime free on selected channels) |
| Cash withdrawal fee | 2.5% of the transaction amount or Rs.500, whichever is higher |
| Add-on card joining fee | NIL |
| Add-on card annual fee | NIL |
| Over limit penalty fee | 2.5% of the over-limit amount or Rs.500 |
| Cash payment fee | Rs.100 |
| Duplicate statement fee | NIL |
| Foreign currency transaction charge | 3.5% of the transaction value |
| Rent transaction fee | 1% capped at Rs.1,500 for every transaction |
| Dynamic currency conversion | 1% on international transaction |
| Fee on reward redemption | Yes |
| GST | According to current norms |
| Surcharge on purchase or cancellation of railway tickets | As prescribed by IRCTC |
| Fee for foreign currency transaction | 3.5% of the total amount transacted |
| Late Payment Fee | Nil if Total Payment Due is less than Rs. 500 Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000 Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000 Rs. 1200 if total payment due is greater than Rs.10,000 |
| Cheque return fee | 2% of the transaction amount, Minimum Rs.450 up to Rs.1,500 |
People who meet the following conditions can apply for the My Zone Credit Card.
Given below are the documents you will have to submit while applying for Axis Bank My Zone Credit Card:
| Category | Documents to be submitted |
|---|---|
| Proof of residence | You can submit any one of the following documents:
|
| Proof of address | You can submit any one of the following documents:
|
| Other documents |
|
Online
Given below are the steps you will have to follow to apply for Axis Bank ACE Credit Card
Step 1: Visit Axis Bank's official website.
Step 2: On the menu bar, click on 'Explore Products', under which click on 'Cards', followed by 'Credit Cards'.
Step 3: Find 'Axis Bank My Zone Credit Card' from the list and click on 'Explore More' if you wish to find more about the card', otherwise you can click on the option 'Apply Now'.
Step 4: On clicking on 'Apply Now', a new page will open.
Step 5: There under 'Click to Connect', choose whether you are an existing customer or a new customer and provide your details such as your name, state, and city in which you reside, mobile number, your monthly income, and professional details.
Step 6: Click on the box where you authorize the bank's representative to get in touch with you regarding your application for the credit card.
Step 7: Click on 'Call Me'. A representative from the bank will get in touch with you and will assist you with the process of applying for the credit card.
Offline
You can visit the nearest Axis Bank branch along with all the necessary documents. A representative from the bank will help you with the process of applying for the Axis Bank My Zone Credit Card.
No, Axis Bank My Zone Credit Card does not provide any reward point for transactions made on fuel, EMI payments, and movie tickets. However, the cardholders can get 1% fuel surcharge waiver where you can get maximum waiver of Rs.400 per statement cycle. Having said that, this fuel surcharge waiver is applicable if you make transactions ranging from Rs.400 to Rs.4,000.
Axis Bank My Zone Credit Cardholders can withdraw a specific amount of cash at any time, but the bank will charge a cash advance fee of 2.5% of the amount withdrawn using the credit card.
Yes, you can definitely apply for Axis Bank My Zone Credit Card if you don't have an account with Axis Bank but you have to meet certain eligibility criteria to avail yourself of this credit card. Usually, the bank offers credit cards to those who have a credit score of at least 750.
The foreign currency transaction fee charged on Axis Bank My Zone Credit Card is 3.5% of the amount transacted. Thus, it is not the preferred credit card for making foreign currency transactions because it incurs high fees.
Axis Bank My Zone Credit Card provides a line of credit to purchase items and take cash advances that the cardholders can repay later. The bank levies interest as well as other charges for its services. The cardholders of Axis Bank My Zone Credit Card should pay minimum due amount every month within the due date of every month.
Axis Bank My Zone Credit Cardholders can easily generate the PIN by visiting the nearest Axis Bank ATM or by calling at their customer support number 1860-500-5555. Apart from this, the PIN can also be generated by visiting the official website of Axis Bank.
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.
The cashback amount for movies on the My Zone Credit Card is capped at Rs.1,000 per calendar year.
No, you do not earn any reward points on fuel transactions with the My Zone Credit Card.
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