Axis Bank MY Zone Credit Card
Rewards & Benefits
Welcome Benefits
Users will get a SonyLiv premium annual subscription worth INR 999 on their first spend within the first 30 days of card issuance.
Milestone Benefits
Cashback Rate
Users will earn 2 edge reward points for every INR 100 spent using My Zone credit card.
Value of 1 edge reward point = INR .20. Cashback rate: 0.4%.
Movie Benefits
Users can get 100% off on a second movie ticket at Paytm movies upto Rs 200, applicable once per month.
Dining Benefits
Other Benefits
Users will get flat 120 off on Swiggy twice per month, and Rs 1000 off on AJIO (one-time benefit).
Lounge Access
Fees & Charges
Joining Fee
Rs. 500
Annual Fee
2nd Year onwards: Rs. 500
Cash Advance Fee
Cash withdrawal fee from ATM - 2.5% of the cash amount.
Interest rate
3.6% per month, 43.2 % annualized
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200.
Foreign Currency Transactions Fee
3.50%
Other Fees
Finance charges (Retail purchases and cash) 3.6% per month (52.86% per annum) | Reward Redemption fee: INR 99
Cons
Low cashback rate.
Cashback on Swiggy is limited to 2 times per month.
Limited value add features.
Welcome Benefit: Users will get a SonyLiv premium annual subscription worth INR 999 on their first spend within the first 30 days of card issuance.
Reward System: Users will earn 2 edge reward points for every INR 100 spent using My Zone credit card. Value of 1 edge reward point = INR .20. Cashback rate: 0.4%.
Users can get 100% off on a second movie ticket at Paytm movies upto INR 200, applicable once per month.
Users are eligible for 4 complimentary lounge access per year.
Users will get flat 120 off on Swiggy twice per month, and INR 1000 off on AJIO (one-time benefit).
Users will also get a 15% discount on restaurants with Dining Delight offer.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
Primary cardholder should be between the age of 18 and 70 years .
Add-on cardholder should be over 15 years.
The individual should either be a Resident of India or a Non-Resident Indian.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
You can apply for the Axis Bank MY Zone Credit Card online or offline. Here are the steps on how to apply online:
Go to the Axis Bank MY Zone Credit Card website.
Click on the "Apply Now" button.
Enter your personal details such as your name, email address, and mobile number.
Enter your income and employment details.
Upload a scanned copy of your PAN card and Aadhaar card.
Select the credit limit you want.
Click on the "Submit" button.
An Axis Bank representative will contact you to verify your details and complete the application process.
Contact Details
1862 419 5555 & 1860 500 5555
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get a SonyLiv premium annual subscription worth INR 999 on their first spend within the first 30 days of card issuance.
Reward System: Users will earn 2 edge reward points for every INR 100 spent using My Zone credit card. Value of 1 edge reward point = INR .20. Cashback rate: 0.4%.
Users can get 100% off on a second movie ticket at Paytm movies upto INR 200, applicable once per month.
Users are eligible for 4 complimentary lounge access per year.
Users will get flat 120 off on Swiggy twice per month, and INR 1000 off on AJIO (one-time benefit).
Users will also get a 15% discount on restaurants with Dining Delight offer.
Low cashback rate.
Cashback on Swiggy is limited to 2 times per month.
Limited value add features.
Axis Bank My Zone credit card is a good credit card for youngsters, students, and freshers. However, due to low cashback rate it has limited attraction to people who are looking for a premium credit card.
Axis Bank My Zone credit card is a good credit card for youngsters, students, and freshers. However, due to low cashback rate it has limited attraction to people who are looking for a premium credit card.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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