Axis Bank My Zone Credit Card is suitable for those who travel frequently and watch a lot movies. It provides various benefits such as eDGE loyalty rewards, complimentary airport lounge access and exciting offers on entertainment in the form of cashback on movie tickets. Additional details of this credit card are mentioned below.
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Below-mentioned are the features and benefits of Axis Bank My Zone Credit Card:
Cashback Offers- The customers can avail 25% cashback on movie tickets at Paytm all week with one’s Axis Bank My Zone Credit Card. The amount of cashback is limited to Rs. 100
Welcome Delights- My Zone credit cardholders can avail up to Rs. 1,000 off on Myntra. One has to use coupon code MYZONE1000 at the time of checkout
Complimentary Lounge AccessThe customers can enjoy 1 complimentary access to select airport lounges within India per calender quarter with one’s Axis Bank My Zone Credit Card
Security- The transactions done via Axis Bank My Zone credit card is highly secured with an EMV chip and PIN
eDGE Loyalty Rewards- Axis Bank has a lucrative eDGE Loyalty Rewards programme that offers gifts in exchange for spending the eDGE loyalty points. Axis Bank My Zone credit cardholders can earn from a range of 4 to 40 points for every Rs. 200 spent on the card. One also gets 100 points on his/her first online transaction with the credit card. There are exciting rewards for weekend shopping and dining of 5X points and 10X points respectively
Also Read- Axis Bank Vistara Credit Card
Fees and Charges of Axis Bank My Zone Credit Card are mentioned below:
| Fees/Charges | Amount/Rate |
| Annual Fee | 1st Year: Nil 2nd Year onwards: Rs. 500 |
| Joining Fee | Rs. 500 waived upon spends of Rs. 5,000 in 45 days |
| Add-on Fee (per annum) | Nil |
| Add-on Card Annual Fee | Nil |
| Cash Payment Fee | Rs. 100 |
| Finance Charges (Retail Purchases and Cash) | 3.25% per month (46.78% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. Rs. 500) of the cash amount |
| 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. 1000 Rs. 500 if Total Payment due is between Rs. 1001 – Rs. 5000 Rs. 600 if Total Payment due is between Rs. 5001 – Rs. 20,000 Rs. 700 if Total Payment due is Rs. 20,001 and above |
| Over Limit Penalty | 3% of the overlimit amount (Min. Rs. 500) |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to Min. Rs. 450 |
| Surcharge on Purchase or Cancellation of Railway Tickets | As prescribed by IRCTC / Indian Railways |
| Fuel Transaction Surcharge Transaction | 1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month) |
In order to avail Axis Bank My Zone Credit Card, below-mentioned eligibility criteria must be followed:
It is very easy to make a successful application for this card. One can do it online at the web portal in a few quick steps as mentioned below:
Axis Bank offers various ways in which their customers can 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:
Axis Bank My Zone credit cardholders who do not have an Axis Bank savings or current account can make the credit card bill payment via 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.
One easily manage his/her Axis Bank’s My Zone credit card via SMS. One can inquire about the available balance in the credit card, outstanding balance, details about previous credit card payment as well as PlusPoints balance by simply sending an SMS from the 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 > |
What is an Add-on Card?
An add-on card is an additional card which you can apply for against your credit card and will have all the features of your primary credit card.
What are EMV Chip Cards?
Axis Bank My Zone Credit Card is an EMV Chip enabled card. The chip makes your transactions more secure and saves you from counterfeiting.
What benefits will I get with Axis Bank My Zone Credit Card?
You will get travel privileges, dining benefits along with financial benefits like fuel surcharge waive-off. You will also get comprehensive insurance cover with the card.
Who can apply for Axis Bank My Zone Credit Card?
All Indian nationals above the age of 18 can apply for this credit card.
How to Apply for Axis Bank My Zone Credit Card?
You can apply for this credit card by going to Paisabazaar’s credit card section.