Axis Bank My Zone Easy Credit Card

Introducing the Axis Bank My Zone Easy Credit Card – your pathway to simplified rewards and smarter savings. Designed for the savvy spender, this card is your companion in navigating the world of seamless transactions and cashback benefits. Join us as we dive into how this card transforms your everyday purchases into opportunities to earn and save. Discover a card that understands your lifestyle, offering a hassle-free way to make the most of your spending. Welcome to a world where financial ease meets lucrative rewards, all at your fingertips.

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Axis Bank My Zone Easy Credit Card

The Axis Bank My Zone Easy Credit Card is a secure and hassle-free financial solution. This credit card is backed by a fixed deposit, making it an accessible option for individuals with limited or no credit history. While offering similar benefits to its unsecured counterpart, the Axis Bank My Zone Credit Card, the Easy Credit Card allows users to enjoy perks like movie discounts, dining offers, and fuel savings. The added advantage is that the fixed deposit tied to the card continues to earn interest. This card serves as an excellent opportunity for those looking to establish credit while relishing various rewards. With a simple application process and minimal documentation requirements, the Axis Bank My Zone Easy Credit Card stands as a convenient and beneficial choice for individuals seeking a secure and value-packed credit option.

Features and Benefits of Axis Bank My Zone Easy Credit Card

  • Reward Points:
    For every Rs. 200 you spend using the Axis Bank My Zone Easy Credit Card, you earn 4 Edge Reward Points.
    No Reward Points are earned on fuel transactions and movie transactions when you already get cashback on movie tickets.
  • Reward Redemption: The Edge Reward Points you earn can be used for various things like products, gift vouchers, flight or hotel bookings, and more. 1 Reward Point equals Re. 0.20.
  • Movie & Dining Benefits:
    You receive a 25% cashback on both online and box office movie ticket bookings.
    The maximum cashback you can get in a year is Rs. 1,000.
    You also enjoy a minimum of 15% discount on dining through the Axis Bank’s dining delights program.
  • Fuel Surcharge Waiver:
    You get a 1% fuel surcharge waiver on fuel transactions ranging from Rs. 400 to Rs. 4,000.
    The highest waiver you can get each month is Rs. 400 for this card.

Axis Bank My Zone Easy Credit Card Fees and Charges

  • Joining Fee: Rs. 500 when you first get the card.
  • Annual Fee: Rs. 500 each year.
  • Add-on Card Fee: No fee for extra cards.
  • Interest (Finance Charges) for Retail Purchases & Cash: 3.40% each month (almost 49.36% yearly).
  • Cash Withdrawal Fee: 2.5% of the cash amount or at least Rs. 500, whichever is more.
  • Late Payment Penalties:
    If you owe less than Rs. 500, there’s no late fee.
    If you owe between Rs. 501 and Rs. 5,000, the penalty is Rs. 500.
    If you owe between Rs. 5,001 and Rs. 10,000, the penalty is Rs. 750.
    If you owe over Rs. 10,000, the penalty is Rs. 1200.
  • Over Limit Penalty: If you go over your card limit, you’ll be charged 2.5% of the extra amount or a minimum of Rs. 500.

Axis Bank My Zone Easy Credit Card Eligibility

  • You need to have a Fixed Deposit at any Axis Bank branch.
  • The minimum amount for the Fixed Deposit is Rs. 15,000.
  • The highest amount you can use for the Fixed Deposit is Rs. 25,00,000.
  • People who are not adults (minors) cannot get this card.
  • The MY Zone Easy Credit Card cannot be issued if the Fixed Deposit falls into these categories:

Tax Saver Fixed Deposits.
Flexi-Deposits (Auto-sweep Fixed Deposits).
Fixed Deposits under the names of HUF (Hindu Undivided Family), societies, trusts, or companies.

Documents Required for Axis Bank My Zone Easy Credit Card

  • You can use your Aadhar Card, PAN Card, Voter ID, Driving License, or Passport as identity proof (pick any of these).
  • For address proof, you can show your Aadhar Card, utility bills, Passport, or Driving License (choose any of these).

How to apply for Axis Bank My Zone Easy Credit Card?

  1. Go to the official Axis Bank website.
  2. Look for the “Cards” section and click on “Credit Cards.”
  3. Find the Axis Bank My Zone Easy Credit Card and click on it.
  4. Click on “Explore Now” to learn more about the card.
  5. Start Application:
    Click “Apply Now.”
    Choose if you’re an existing customer or not.
  6. New Customers:
    If you’re new, fill in details like your name, mobile number, PAN, income, etc.
    Follow the steps to complete your application.
  7. Existing Customers:
    Provide your mobile number or customer ID, along with your birth date or PAN.
    Click “Next.”
    You’ll see the offers; follow the steps to apply for the card.

Frequently Asked Questions (FAQs) -

The Axis Bank My Zone Easy Credit Card is a specially designed credit card that offers various benefits and features tailored for individuals who enjoy dining, shopping, and entertainment. It provides rewards and discounts in these categories to enhance your lifestyle.

You can apply for the Axis Bank My Zone Easy Credit Card online through the official Axis Bank website or by visiting a nearby Axis Bank branch. The application process typically involves submitting your personal and financial details for assessment.

This credit card comes with features such as cashback on dining and movies, milestone rewards, fuel surcharge waiver, and easy redemption options. It is designed to cater to the lifestyle preferences of users who frequently spend in specific categories.

While the Axis Bank My Zone Easy Credit Card primarily focuses on rewarding dining and movie transactions, it may also offer additional benefits or rewards for other categories. It is advisable to check the specific terms and conditions associated with the card.

The milestone reward system provides additional benefits when you reach specific spending milestones with your Axis Bank My Zone Easy Credit Card. These rewards can include bonus points, vouchers, or other exclusive privileges. Refer to the card’s terms and conditions for details on the milestone rewards.

Axis Bank may charge an annual fee for the My Zone Easy Credit Card. However, certain promotions or offers may waive the annual fee for the first year. It is recommended to check the latest fee structure and applicable terms before applying.

Axis Bank provides a straightforward redemption process for the rewards earned through the My Zone Easy Credit Card. You can typically redeem your rewards through the Axis Bank online portal or mobile app. Specific redemption options may include vouchers, merchandise, or direct statement credits.

Axis Bank usually charges a foreign currency transaction fee for international transactions made with the My Zone Easy Credit Card. It is essential to review the fees and charges section of the credit card agreement to understand the applicable rates.

Axis Bank provides customer support through various channels, including phone, email, and in-person at their branches. You can find the contact details here.

Yes, Axis Bank offers online banking services that allow you to track your credit card transactions, check statements, and manage your account conveniently through their website or mobile app. Ensure that you register for online banking to access these features.