Axis Bank My Zone Credit Card

Welcome to our in-depth guide to the Axis Bank My Zone Credit Card. This card is tailored to match your lifestyle, offering a range of benefits that align with your spending preferences. From cashback rewards on everyday expenses to exclusive offers on dining, shopping, and entertainment, the My Zone Credit Card is your ideal companion for maximizing savings while enjoying life to the fullest. Join us as we delve into the features, perks, and unique advantages that make the Axis Bank My Zone Credit Card a smart choice for individuals who value both financial prudence and enriching experiences.

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Key Highlights of Axis Bank MY ZONE Credit Card

Joining fee	Rs. 500 and Life Time Free Offer for *select channels
Annual fee	1st Year: Nil 2nd Year onwards: Rs. 500, Lifetime Time Free Offer for *select channels
Benefits	Instant discount on movies, food delivery & online shopping, purchases to EMI conversion, complimentary airport lounge access, etc.
Welcome benefit	Complimentary SonyLiv annual membership
Rewards	4 EDGE reward points on spending every Rs. 200
Age	18 to 70 years
Foreign currency transaction fee	3.50% of the transaction value

Features and Benefits of Axis Bank My Zone Credit Card

Movie & Dining:

- Enjoy a “Buy One Get One” offer on movie ticket bookings through Paytm Movies.
- Get up to 20% off at partner restaurants with Dining Delights.

Rewards Rate:

- Earn 4 EDGE Points for every Rs. 200 spent with the card.
- The reward rate is 0.4%, which means you get 0.4% worth of rewards for your spending.

Reward Redemption:
Redeem earned EDGE Points for shopping/travel vouchers or purchase products on the Axis Bank EDGE Rewards Portal.

Travel:
Avail complimentary domestic airport lounge access.

Domestic Lounge Access:
Get one complimentary domestic airport lounge access every quarter.

Zero Liability Protection:
You won’t be liable for any fraudulent transactions made with the card after reporting the loss of the card to the bank.

Axis Bank My Zone Credit Card Fees and Charges

Joining Fee: Rs. 500, and it’s a lifetime free offer for select channels.
Annual Fee:

- 1st Year: Nil
- 2nd Year onwards: Rs. 500, but it’s a lifetime free offer for select channels.

Add-on Card Joining Fee: Nil
Cash Payment Fee: Rs. 100/-
Finance Charges (Retail Purchases & Cash): 3.6% per month (52.86% per annum)
Cash Withdrawal Fees: 2.5% (Minimum Rs. 500) of the cash amount
Overdue Penalty or Late Payment Fee:

- Nil if Total Payment Due is less than Rs. 500
- Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000
- Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000
- Rs. 1200 if total payment due is greater than Rs. 10,000

Axis Bank My Zone Credit Card Eligibility

Primary cardholder must be between 18 to 70 years of age.
Add-on cardholder must be above 15 years of age.
Applicant should be a Resident of India or Non-Resident Indian (NRI).

Documents Required for Axis Bank My Zone Credit Card

To apply for this, you need these documents:

PAN card photocopy or Form 60.
Colour photographs.
Latest payslip / Form 16 / IT return copy as income proof.
Residential proof (choose any one):

Passport
Ration Card
Electricity bill
Landline telephone bill

Identity proof (choose any one):

Passport
Driving license
PAN card
Aadhaar card

Axis Bank’s Other Cards

How to apply for Axis Bank My Zone Credit Card?

To apply for the Axis Bank My Zone Credit Card, you can follow these steps:

Online Application:

1. Visit the official website of Axis Bank.
2. Navigate to the ‘Credit Cards’ section.
3. Find and select the ‘Axis Bank My Zone Credit Card.’
4. Click on the ‘Apply Now’ button.
5. Fill out the online application form with your personal and financial details.
6. Upload the required documents, such as identity proof, address proof, and income proof.
7. Review the application and submit it online.

Offline Application:

1. Visit the nearest Axis Bank branch.
2. Approach a bank representative and express your interest in applying for the Axis Bank My Zone Credit Card.
3. The bank representative will provide you with the application form.
4. Fill out the form with your details and attach the necessary documents.
5. Submit the completed application form to the bank representative.
6. After applying, the bank will process your application, and if approved, they will issue the Axis Bank My Zone Credit Card to you.

Frequently Asked Questions (FAQs) -

What is Axis Bank My Zone Credit Card?

Axis Bank My Zone Credit Card is a credit card that offers various benefits and rewards, especially tailored for the lifestyle and preferences of the youth. It provides attractive features such as cashback on movies, dining, and online shopping.

How can I apply for Axis Bank My Zone Credit Card?

You can apply for the Axis Bank My Zone Credit Card online through the official Axis Bank website or by visiting the nearest Axis Bank branch. The application process usually involves providing personal and financial information.

What are the key features of Axis Bank My Zone Credit Card?

The key features include cashback on movies, dining, and online shopping. Additionally, it offers milestone rewards, fuel surcharge waiver, and the option to convert large purchases into easy EMIs.

How does the cashback feature work on Axis Bank My Zone Credit Card?

The cashback feature allows you to earn cashback on eligible transactions, such as movies, dining, and online shopping. The earned cashback is usually credited to your credit card account.

Are there any annual fees associated with Axis Bank My Zone Credit Card?

Axis Bank may charge an annual fee for the My Zone Credit Card. However, specific fees and charges can vary, and it’s recommended to check the latest fee structure before applying.

Can I redeem the earned cashback for other benefits?

Generally, the cashback earned on Axis Bank My Zone Credit Card can be redeemed for statement credit or other available options, as specified by the bank. Redemption options may include gift vouchers or merchandise.

Is there a fuel surcharge waiver on Axis Bank My Zone Credit Card?

Yes, Axis Bank My Zone Credit Card often provides a fuel surcharge waiver at designated fuel stations. This benefit can help you save on fuel expenses when using the credit card for fuel transactions.

How can I check my Axis Bank My Zone Credit Card balance?

You can check your credit card balance through Axis Bank’s internet banking portal, mobile app, or by contacting Axis Bank customer service. Additionally, monthly statements are sent to your registered email address.

What security features are available with Axis Bank My Zone Credit Card?

Axis Bank My Zone Credit Card comes with security features such as EMV chip technology, SMS alerts for transactions, and the option to set transaction limits. It’s important to keep your card and personal information secure.

How can I contact Axis Bank customer service for My Zone Credit Card queries?

You can reach Axis Bank credit card customer care by calling the helpline number provided on the back of your credit card or by visiting the official Axis Bank website for contact details. They can assist you with any queries or concerns related to your credit card.