Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is an entry-level card for people who want lifestyle benefits. The card has a simple application process, and no joining fee for the first year, and provides multiple benefits including instant discounts on dining, food deliveries through Swiggy, entertainment through Paytm movie tickets, and online shopping discounts through Ajio. The card is to provide good value on daily spends while keeping everything simple and hassle free.
What is the Axis Bank My Zone card?
The Axis Bank My Zone card is a lifestyle credit card for urban, tech-savvy users. Individuals who primarily enjoy the experience of eating out, watching movies, and shopping online are the target audience. Axis Bank's My Zone Credit Card is focused on daily indulgences to provide real, repetitive savings on where young people spend the bulk of their money. Consumers receive food delivery benefits, entertainment advances, and shopping benefits all in one low-maintenance card and one place.
Features and Benefits of Axis Bank My Zone Credit Card
The main features and benefits of the My Zone Credit Card are mentioned in the table below:
Feature | Details |
EMIs | Convert purchases above Rs.1,500 into EMIs by contacting the bank. |
Fuel Surcharge Waiver | Get 1% waiver on fuel transactions between Rs.400 and Rs.4,000. Max waiver: Rs.400 per billing cycle. GST on surcharge is not refundable. |
Dining | Get up to 15% off (max Rs.500) at partner restaurants through EazyDiner with a minimum bill of Rs.2,500. Valid once per card per month. |
Secure Transactions | EMV chip and PIN-enabled card that offers enhanced security and reduces the risk of skimming and fraud. |
Shopping (Ajio) | Get up to Rs.1,000 off on Ajio with a minimum spend of Rs.2,999 using code AJIOAXISMZ. Valid on select styles. |
Lounge Access | 1 complimentary domestic airport lounge access per quarter, subject to Rs.50,000 spend in the previous 3 months. |
Swiggy Discount | Get Rs.120 off on food orders of Rs.500 or more on Swiggy, valid twice a month using code AXIS120. Not valid at Haldiram’s. |
Sony LIV Subscription | Get 1-year Sony LIV Premium subscription free on first card transaction within 30 days of issuance. Voucher shared within 45 working days via SMS. |
Movie Tickets | Buy one, get one free on movie tickets via the District app (formerly Paytm Movies), up to Rs.200 per month. Use code AXIS200. |
Fees and Charges for Axis Bank My Zone Credit Card
Type of Charge | Details |
Joining Fee | Rs. 500 as a standard joining fee. This may be waived for a lifetime if applied through select channels. |
Annual Fee | Nil for the first year. From the second year onwards, Rs.500 is applicable (waived for lifetime on select channels). |
Add-on Card Fee | No joining or annual fee is charged for add-on cards. |
Cash Withdrawal Fee | A fee of 2.5% of the amount withdrawn, subject to a minimum of Rs.500 per transaction. |
Cash Payment at Branch | Rs.175 will be charged when paying your credit card bill in cash at an Axis Bank branch. |
Over-limit Fee | 2% of the amount exceeding your credit limit, with a minimum charge of Rs.500. |
Late Payment Charges | Nil if the total due is up to Rs.500. Rs.500 dues between Rs.501 to Rs.5,000Rs.750 for Rs.5,001 to Rs.10,000Rs.1,200 dues above Rs.10,000. An additional Rs.100 is charged if the minimum amount due is missed for two consecutive cycles. |
Finance Charges | Interest of 3.75% per month (55% per annum) applies to unpaid amounts and cash advances. |
Foreign Currency Mark-up Fee | 3.5% of the transaction amount is charged on all foreign currency transactions. |
Dynamic Currency Conversion Fee | 1.5% is charged on international transactions if billed in Indian Rupees (INR) instead of the foreign currency. |
Rent Payment Fee | A charge of 1% is applicable on every rent transaction made using the credit card. GST is additional. |
Education Payment Fee | 1% fee on payments made through third-party education platforms. GST applicable. |
Wallet Load Fee | If wallet loading exceeds Rs.10,000 in a billing cycle, a 1% fee is applied on the excess amount. |
Fuel Transaction Fee | Once cumulative fuel spends exceed Rs.50,000 in a statement period, a 1% fee applies. GST is extra. |
Utility Bill Payment Fee | Utility payments over Rs.25,000 in a billing cycle will incur a 1% fee. |
Online Gaming Fee | If total online skill-based gaming spends cross Rs.10,000 in a cycle, a 1% fee is levied. |
Cheque Return / Auto-debit Reversal Fee | 2% of the transaction amount, with a minimum of Rs.500. |
Railway Booking / Cancellation Surcharge | As applicable by IRCTC or Indian Railways. |
Duplicate Statement or Charge Slip Retrieval | No charges are levied for duplicate statements or retrieval requests. |
Card Replacement Fee | Replacing a lost or damaged card is free of cost. |
Mobile Alerts, Balance Checks, Hotlisting | These services are provided free of charge. |
Reward Redemption Fee | Applicable at the time of redeeming points. The specific amount may vary. |
Goods and Services Tax (GST) | Charged as per prevailing government regulations. |
Eligibility for 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 between 18 to 70 years.
- The applicant can be a resident of India or an NRI.
Documents Required for Axis Bank My Zone Credit Card
Given below are the documents you will have to submit while applying for Axis Bank My Zone Credit Card:
Document Category | Accepted Documents |
Identity Proof | PAN card photocopy or Form 60 |
Income Proof | Latest payslip, Form 16, or ITR copy |
Residence Proof | Passport, ration card, electricity bill, or landline telephone bill |
How to Apply for Axis Bank My Zone Credit Card
Online
Given below is the procedure you will have to follow to apply for Axis Bank My Zone 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 'Know 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: Follow the steps on the next page. Personal details will need to be entered.
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.
FAQs on Axis Bank My Zone Credit Card
- How to make the most of the Swiggy discount offer using the Axis Bank My Zone Credit Card?
You can get Rs.120 discount on Swiggy orders above Rs.500, up to twice a month, using code AXIS120. To maximize this offer you will want to plan your food deliveries carefully either by splitting larger food orders or planning your delivery around the offer, so you do not miss the discount available twice a month. Remember that the discount is not applicable to Haldiram's product, so always check if the merchant is eligible before placing your order.
- Can I make a substantial purchase and split it into EMIs with this card?
Yes, any purchase for Rs.1,500 or more can be converted to easy EMIs by contacting Axis Bank. Keep in mind that EMIs make it easy to split the purchases into smaller payments without having any impact on your credit score. However, the bank could charge a nominal processing charge or interest for whatever time period for the EMI you choose. It would be important to review the current EMI options before converting.
- What do I do if I lose my card or it is stolen?
If you have lost your card or it has been stolen, please contact Axis Bank's customer care helpline at 1860-500-5555. This will block your card and prevent misuse. You will also be able to request a replacement card at no charge to you. It is wise to also keep track of your transaction alerts regularly to be alerted of any unauthorised activity as quickly as possible.
- Are there any hidden fees associated with using the My Zone Credit Card?
In addition to the joining and annual fees, which you can obtain on selected channels without the annual fees, you have to be mindful of other fees which include: 2.5% cash withdrawal fees, 3.5% foreign currency transaction fees, and 1% on rent or educational related payments. Also, late payment fees and over-limit fees if not paid on due dates and if you exceed limits.
- How do I get my complimentary airport lounge access with the My Zone Credit Card?
You receive 1 free domestic airport lounge access per quarter, only if you have spent Rs.50,000 over the previous 3 months on the card. Once you are eligible, all you need to do is show your card and boarding pass at the lounge and you can have access to all the facilities.
- Is it possible to use this credit card for rent or education fees?
Yes, you can pay rent or your education fees using the My Zone Credit Card but there is a 1% processing fee (plus GST) charged by the bank. The fee is assessed against your payment so if it helps manage cash flow or earns you some more rewards, you can consider it. Do weigh off the benefits against the processing fees first before you decide to pay rent or fees on the card.
- How do I earn reward points and redeem the reward points on the Axis Bank My Zone Credit Card?
You earn reward points for your spending except for fuel, EMI payments, and movie tickets. Points earned are accumulated and can be redeemed using the Axis Bank online portal or app for vouchers, products, or pay your bills. Keep track of the expiry dates as points usually expire after a certain period.
- Can I get a family member or a friend as an add-on cardholder?
Yes, the Axis Bank My Zone Credit Card has add-on cards and there is no extra joining fee or annual fee. You can take advantage of the benefits like lounge access or discounts for family members. The main cardholder is liable for all transactions made by their add-on cardholders.
- What security features keep my card safe whether I use it online or offline?
The card has EMV chip and PIN features that make it more difficult for fraudsters and skimmers to misuse. For online transactions, you receive 3D Secure (OTP-based) authentication to safely make purchases. Axis Bank also supplies transaction alerts, either by SMS or email, allowing you to monitor and promptly report suspicious activity.
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