Axis Bank My Zone Credit Card is suitable for those who spend a lot on shopping and movies. It offers cashback on movie ticket purchases, generous rewards for all transactions and complimentary lounge access among other benefits. Read on to know more about this Axis Bank credit card.
Key Highlights of Axis Bank My Zone Credit Card |
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Axis Bank My Zone Credit Card features are given below:
Cashback Offers – Avail 25% cashback on movie tickets booked via Paytm. Maximum cashback of Rs. 100 can be availed per month.
Welcome Delights – Avail up to Rs. 1,000 off on Myntra. The coupon code is MYZONE1000.
Complimentary Lounge Access – Get 1 free lounge access to select airport lounges in India per calender quarter.
EDGE REWARDS – Earn 4 Reward points for every Rs. 200 spent on the credit card.
Milestone Benefits – Earn 1,000 bonus EDGE REWARDS points on spending Rs. 10,000 or more in a calendar quarter. Maximum 4,000 points can be earned in a year.
Myntra Offer – Get up to 25.00% off at Myntra. Use code MYZONE25.
Fuel Surcharge Waiver – Get the waiver on fuel transaction between Rs. 400 and Rs. 4,000. Maximum waiver of Rs. 400 can be availed per month.
Dining Offers – Get up to 20.00% off at partner restaurants.
Security – The transactions done via Axis Bank My Zone credit card are highly secured with an EMV chip and PIN.
Also Read: Best Credit Cards in India
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) |
If you wish to apply for Axis Bank My Zone Credit Card, you should meet the eligibility criteria set by the bank. The criteria include age, city of residence, income, current loan accounts, etc. The bank will also check the credit history, previous payment patterns, any delinquencies, etc. The minimum age to apply for this credit card is 18 years and the maximum age is 70 years. If you wish to check your eligibility for this card, you may share your details through Axis Bank’s website and a representative will call you shortly.
To apply for Axis Bank My Zone Credit Card, you would also need to submit proof of identity, address and income. Given below is a list of eligible documents:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
Axis Bank My Zone Credit Card is not available on Paisabazaar’s Platform. If you wish to apply for this credit card, you can do so directly through Axis Bank’s website or by visiting the nearest Axis Bank branch.
Click here to see other credit cards you are eligible for.
| Credit Card | Annual Fee | Comparative Feature |
| Axis Bank Buzz Credit Card | Rs. 750 | Up to 10% off at Flipkart |
| SBI SimplyCLICK Credit Card | Rs. 499 | 10X rewards on Amazon, BookMyShow, Lenskart & more |
| HDFC MoneyBack Credit Card | Rs. 500 | 2X reward points on online shopping |
| American Express Smart Earn Credit Card | Rs. 495 | 10X rewards on Flipkart and Uber |
| HDFC Millennia Credit Card | Rs. 1,000 | 2.5% cashback on online transactions |
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 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.
How can I check available balance on my Axis Bank My Zone credit card?
You can make balance enquiry by sending the below given SMS to 5676782:
< XXXX > < AVAILBAL >
XXXX is the last 4 digits of your credit card. Additional details can be found here.
How can I make Axis Bank My Zone Credit Card Bill Payment?
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:
What process does one need to follow to increase the Credit Limit on Axis Bank My Zone credit card?
If you want to increase the credit card limit then you will have to request for the same with the bank. The bank will check your credibility and, if satisfied, grant the increase.
I am so proud of the Paisabazaar team who has been so kind and generous with their advice.
This is the perfect credit card. Would definitely recommend this to all of you!
What an amazing credit card. Cannot tell you how lucky I feel to have known about this credit card.
This is the best card from Axis. Super like for this one. You should try too.
This credit card has brought such a good balance in my savings. So happy!
I feel so happy about using this credit card. It has simplified my life to such a great extent.
