Axis Bank My Zone Credit Cards

One of the most popular credit cards from Axis Bank is the My Zone credit card. It is high on cashback and also gives great payoff in terms of loyalty points for shopping and dining especially during the weekends.

Some of the benefits of the Axis Bank My Zone credit card are:

• My Zone Credit Cards from Axis Bank are EMV Chip and PIN protected. They offer unrivalled security.
• You can avail exciting offers on movie ticket bookings, dining, shopping etc. with the Axis Bank My Zone Credit card.
• It also lets you enjoy complimentary access to airport lounges within India.
• The Axis Bank My Zone credit card brings you great eDGE loyalty reward points for every purchase you make using the card.

My Zone credit card has some unique features that make it stand out from other credit cards. Here are a few features of the Axis Bank My Zone credit card:

Add-On Cards: One of the best features of the Axis Bank My Zone credit card is that the cardholder can authorise his loved ones to make purchases on his account with the help of one or more add-on cards. Family members above the age of 18 years including parents, spouse, children, and siblings are eligible to get an add-on Axis Bank My Zone credit card. In fact, you will earn 100 eDGE loyalty reward points on the issuance of your first add-on My Zone credit card.

Cashback: The Axis Bank My Zone credit card comes with a 25% cashback offer on movie ticket purchases at the box office or online bookings. The credit cardholder can get annual cashback up to Rs. 1,000 every calendar year (January 1 to December 31). The credit card is billed for the complete transaction amount during the transaction and the cashback appears as an entry in the account statement.

eDGE Loyalty Rewards: Axis Bank has a lucrative eDGE Loyalty Rewards programme that lets you receive gifts in exchange for spending your eDGE loyalty points. Axis Bank My Zone credit card lets you earn from a range of 4 to 40 points for every Rs. 200 spent on the card. You also get 100 points on your first online transaction with the credit card. There are exciting rewards for weekend shopping and dining of 5x points and 10x points respectively. You can redeem these points at https://edgerewards.axisbank.com/ by choosing products from the eDGE Loyalty Rewards Catalogue.

Complimentary Lounge Access: Frequent as well as occasional travellers can get complimentary access to select airport lounges within India with this credit card. Usage of the participating airport lounges under this programme is subject to a limit / quota every quarter pre-determined by Visa. The participating airport lounges are listed here:

City	Lounge	Airport
Bangalore	Plaza Premium Lounge	Domestic Departures, International Departures
Chennai	Travel Club (TFS)	Domestic Departures, International Departures
Hyderabad	Plaza Premium Lounge	Domestic Departures, International Departures
Mumbai	Mumbai Airport Lounge	Domestic Departures (T2)
Mumbai	Clipper Lounge	International Departures (T2)
New Delhi	Plaza Premium Lounge	Domestic Departures, International Departures (T3)

Some of the facilities at participating airport lounges may include:

• Choice of snacks from a buffet
• Unlimited non-alcoholic drinks including tea, coffee, etc.
• Luxurious seating area
• Washrooms
• LCD TV
• Newspapers and magazines
• Free Wi-Fi

Some services are available for free at the airport lounges whereas services such as shower, fax, Wi-Fi need to be paid by the cardholder directly to the lounge staff. You must inquire about the paid as well as free services when you enter the airport lounge.

Convert Purchases to EMI: Irrespective of the amount of purchase you have done, Axis Bank gives you the option to convert your transaction of Rs. 2,500 and above into EMI at just 1.5% per month on a monthly reducing balance basis. This way, you do not have to pay the entire amount of the purchase upfront. You can convert your transactions into 6, 9, 12, 18 or 24 month EMIs. The service is available at a lower interest rate than the usual interest rate on a credit card.

EMI Tenure Option	Monthly Instalments (Per Rs. 1,000)
6 Months	Rs. 175.53
9 Months	Rs. 119.68
12 Months	Rs. 91.67
18 Months	Rs. 63.8
24 Months	Rs. 49.9

With this facility, you do not need to worry about making any sort of purchase with your credit card. You can be sure that it will not negatively impact your monthly budget since you can make the payment in small instalments.

You can easily manage your Axis Bank credit card including the Axis Bank’s My Zone credit card via SMS. You can inquire about the available balance in your credit card, outstanding balance, details about previous credit card payment as well as PlusPoints balance by simply sending an SMS from your registered mobile number to 5676782.

The shortcodes and SMS format for each of these inquiries are listed here.

Inquiry	Short Code	SMS Format ('XXXX' = Last 4 digits of your Credit card number)
Available Balance	AVAILBAL	< XXXX > < AVAILBAL >
Outstanding Balance	CARDBAL	< CARDBAL > < XXXX >
Last Payment	LASTPAY	< LASTPAY > < XXXX >
PlusPoint	REWBAL	< REWBAL > < XXXX >

Each Axis Bank credit card has its own application procedure as well as joining and other charges. The bank also runs different offers from time to time to attract customers.

The charges and fees for the My Zone credit card are listed here:

Standard Joining Fee	Rs. 500 waived off on spending Rs. 5,000 in a period of 45 days
Standard Annual Fee	1st year: Nil 2nd year onwards: Rs. 500
Standard Add-on Card Joining Fee Standard Add-on Card Annual Fee	Nil Nil
Finance Charges (Retail Purchases and Cash)	3.25% per month (comes to 46.78% per annum)
Cash Withdrawal Fees	2.5% (min. Rs. 250) of the Cash Amount
Card Replacement (Lost, Stolen or Re-Issue)	Waived
Emergency Card Replacement Fee when Overseas (through VISA / MasterCard)	As per VISA Global Customer Assistance Services (GCAS)
Overdue Penalty or Late Payment Fee	Nil - if total payment due is up to Rs.100 Rs. 100 - if total payment due is between Rs. 101 - Rs.300 Rs. 300 - if total payment due is between Rs. 301 - Rs. 1,000 Rs. 500 - if total payment due is between Rs. 1,001 - Rs. 5,000 Rs. 600 - if total payment due is between Rs. 5,001 - Rs. 20,000 Rs. 700 - if total payment due is between Rs. 20,001 or above
Over Limit Penalty	3% of the over limit amount (Min. Rs. 500)
Charge-slip Retrieval Fee / Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return / Dishonour Fee / Auto-debit Reversal Bank Account out of Funds	Rs. 300
Fuel Transaction Surcharge Waiver	2.5% of transaction amount or Rs. 10 whichever is higher (refunded for fuel transactions between Rs. 400 and Rs. 4,000, provided maximum benefits are not more than Rs. 400 per month)
Foreign Currency Transaction Fee	3.50% of the value of the transaction
Mobile Alerts for Transactions	Free
Hotlisting Charges (lost or stolen or re-issue)	Nil
Balance Enquiry Charges	Waived

Both salaried and self-employed individuals are eligible for the Axis Bank My Zone credit card, if they meet the criteria listed here:

• Age is between 18 years and 70 years
• The person draws a fixed monthly income
• The applicant has a good CIBIL score

Axis Bank offers plenty of ways for their customers to make the credit card bill payment whether they hold an Axis Bank account or not. The customers can pay their credit card dues online as well as offline. Axis Bank account holders can pay their Axis Bank My Zone credit card bills through net banking, auto-debit service, debit card, Axis Mobile App, SMS as well as Visa Money Transfer.

Axis Bank My Zone credit card holders who do not have an Axis Bank savings or current account can make the credit card bill payment by net banking, NEFT, ECS, etc. All customers also have the option to make the bill payment by depositing cash, cheque or DD in the favour of their credit card number.