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
How to apply for the My Zone Credit Card from Axis Bank online?
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.
Click 'Check Eligibility' on the My Zone Credit Card from Axis Bank page on BankBazaar and complete the formalities that you see on your screen.
The next page asks for some relevant information, submit them.
Now you would be prompted to upload the relevant set of documents.
As you upload and submit them, a tracking ID is sent to your contact number, use it on '?Track Application?' to know the card application status.
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.
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I have taken My zone credit card from AXIS Bank and this offer was provided to me by the bank. I have just started using this card and every thing is done by online which is very simple and no manual work. With in 1-2 days, it got approved and i got this card on 3rd day.
I have Axis Bank credit card which was taken through bank.I am using this my zone card almost 3 to 4 years. This was a life time free card and its having an option for making card to card payments. Emi conversion is also possible, fuel benefits, movie ticket offers and airport lounge access is available.
I am using AXIS Bank My Zone credit card more than 2 years. Annual charges for this card is Rs. 500+ GST if i spend some amount there wont be any charges. Credit limit is sufficient and i got this offer from bank directly. Maximum i am using the card for travel and shopping, getting reward points and not redeemed yet.
Was this review helpful?
CHINMAY K L
Reviewed on Mar 15, 2020
Since one year, i am using AXIS Bank My zone credit card. This is a life time free card and they given a sufficient credit limit of Rs. 95K. I am using this card for all purpose and the rate of interest was better. Customer service and responsiveness was good.
Using my zone credit card from Axis bank and I'm getting 25% cashback in movie tickets and dining also am purchasing the groceries and etc., I use this card for almost 5 years. I'm getting so much benefits on this card. My salary account is in Axis bank so that they offered me. I got the limit of Rs. 1 lakh.
In Axis bank, I am having a my zone credit card. There are so many offers available like cashbacks, discounts for purchasing the items like mobile phone and computer. My limit is Rs. 1.35 lakhs which is sufficient for me. I use this card for 4 to 5 years. I have not faced any issue till now. My limit is automatically getting increased. So many times i spoke with the customer care service for some enquiry and the response was really good.
Earlier i was using My zone credit card from AXIS Bank, recently it got upgraded into privilege card. I am using this card more than 5 years and the annual charges is Rs. 1500 and wavier not sure and they given a good credit limit. Service was good and i use this card for shopping purpose and i am getting rewards points and in big bazaar getting cash back offer.
I am using Axis bank my zone card credit card which was offered by bank.I am getting minimum 5 % to 10 % discounts on shopping .The credit limit was very less and this was a life time free card .I am using this credit card almost 1 year .There are cash back offers as well as reward points which is very useful.This card is very easy to use and i am satisfied with the service .
I have Axis bank credit card which was taken through bank end.This is a my zone credit card and the agent gave a clear picture about the card process .There are fuel benefits and this was a life time free card .I have got this credit card on delay basis .This card was delivered within 3 to 4 days of time .There was no issues faced and using this card for the past 1.5 years.
I am using Axis Bank My Zone credit card. This is a life time free card and the credit limit was Rs. 50K which is sufficient. Mostly i use this card for medical purpose only because my father has some medical issues so especially am using it for medical expenses. I am getting 25% discount in Paytm app, while booking movie tickets.
I am using Axis Bank My Zone credit card more than 7 years. Annual charges for this card is Rs. 500 and there is a no fee wavier. This card has movie & restaurant offer and also i am getting reward points. Credit limit is Rs. 70k, i was taken a personal loan from this bank and its going to be complete in Feb 2020 then they will increase my limit.
I am using AXIS my zone credit card for past 2 months. I am getting buy1 get1 movie tickets offer offers and cash back. The reward points are available in this card. Credit limit offered from bank is good. I am using this card mostly for shopping.
I got first credit card from Axis bank and I'm using this card for past 3 years then I felt this bank service is best. I am holding My zone credit card , i get 20% off on bookmyshow. I'll be getting some points when i buy the groceries or electrical items on flip kart website even I get 10% discounts on big billion days.
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.