Axis Bank My Zone Credit Card is a popular credit card offered by Axis Bank, one of the leading private sector banks in India. Axis Bank My Zone Credit Card is designed to cater to the needs of young professionals and students who are looking for a card that offers exciting rewards and benefits. With a focus on lifestyle and entertainment, the Axis Bank My Zone Credit Card provides cardholders with numerous benefits such as cashback on movie tickets, dining, and online shopping.
Additionally,Axis Bank My Zone Credit Card comes with a range of other benefits, including exclusive discounts on leading brands, fuel surcharge waivers, and much more. Overall, the Axis Bank My Zone Credit Card is an excellent option for those who want to enjoy the perks of a credit card while keeping their expenses in check.
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| Joining fee | Rs. 500 |
| Annual fee | Rs. 500 |
| Best features | Discounts on dining, shopping, and entertainment Complimentary lounge access at select airports Fuel surcharge waiver at all fuel stations in India Contactless payment technology for faster and more secure transactions |
| Rewards points | 4 reward points for every Rs. 200 spent on the card. |
| Cashback | Nil |
| Yoindi rating | 4/5 |
| Joining Fee | ₹500 |
| Annual Fee | 1st year: Nil 2nd year onwards: ₹500 |
| Joining Fee of Add-on Card | Nil |
| Annual Fee of Add-on Card | Nil |
| Fee Related to Card Replacement | ₹100 |
| Finance Charges (Retail Shopping & Cash) | 3.6% per month (52.86% p. a) |
| Cheque Return/ Dishonour Fee/ Auto-debit Reversa | 2% (minimum ₹450) of the payment sum |
| Fee Related to Cash Withdrawal | 2.5% (minimum ₹500) of the cash amount |
| Fee Related to Cash Payment | ₹100 |
| Fee Related to Charge Slip Retrieval or Copy Request | Waived |
| Fee Related to Duplicate Statement | Waived |
| Fee Related to Outstation Cheque | Waived |
| Mobile Alerts for Transactions | Free |
| Overdue Penalty or Fee Related to Late Payment | Up to ₹300: Nil, ₹301 to ₹500: ₹100, ₹501 to ₹1,000: ₹500, ₹1,001 to ₹10,000: ₹500, ₹10,001 to ₹25,000: ₹750, ₹25,001 and ₹50,000: ₹1000, ₹50,001 and above: ₹1000 |
| Over Limit Penalty | 2.5% of the overlimit amount (minimum ₹500) |
| Purchase or Cancellation Surcharge (Railway Tickets) | According to the guidelines laid down by the IRCTC or the Indian Railways |
| Fee Related to Reward Point Redemption | Nil |
| Fee Related to Foreign Currency Transaction | 3.50% of the transaction value |
| Balance Enquiry Charges | Waived |
| Hotlisting Charges | Nil |
| GST | According to the existing government regulations |
To be eligible for the Axis Bank MY ZONE Credit Card, you must be either a resident of India or a non-resident Indian. The primary cardholder must be between the ages of 18 and 70, while the add-on cardholder must be above 15 years of age.
| Type of documents | Documents accepted |
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| Proof of identity: | This could be a photocopy of your passport, driving licence, Aadhaar card, or PAN card. |
| Proof of address | This could be a photocopy of your passport, electricity bill, ration card, or landline telephone bill. |
| Income proof: | You will need to submit a copy of your IT return, latest payslip, or Form 16 to demonstrate your income. |
| Colour photographs: | You will need to provide recent passport-sized photographs. |
| Photocopy of your PAN card/Form 60 | You will need to submit a copy of your PAN card or Form 60 as a proof of your tax status. |
To check the application status of your Axis Bank My Zone Credit Card, you can follow these simple steps:
1. Visit the Axis Bank website: Go to the official Axis Bank website at www.axisbank.com.
2. Click on ‘Products’: Click on the ‘Products’ tab on the top menu and select ‘Cards’ from the dropdown menu.
3. Click on ‘Track Your Application’: Under the ‘Cards’ section, you will find the option to ‘Track Your Application’. Click on this option.
4. Enter your application details: You will be asked to provide details such as your application reference number, date of birth, and mobile number.
5. Click on ‘Track Application’: Once you have entered the details, click on the ‘Track Application’ button.
6. View your application status: Your application status will be displayed on the screen. If your application has been approved, you can expect to receive your credit card within a few days.
Alternatively, you can also check your Axis Bank My Zone Credit Card application status by calling the Axis Bank customer care helpline number at 1860-419-5555 or by visiting your nearest Axis Bank branch.
The Axis Bank My Zone Credit Card comes with several advantages that make it an attractive option for those looking for a credit card. Here are some of the key advantages of the Axis Bank My Zone Credit Card:
1. Exciting cashback offers: The card offers attractive cashback rewards on movie ticket purchases, dining, and online shopping. This can help you save money on your regular expenses and entertainment activities.
2. Fuel surcharge waiver: The card offers a fuel surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 4,000, making it an excellent option for those who frequently use their vehicles.
3. Discounts and offers: The Axis Bank My Zone Credit Card offers discounts and special offers on leading brands in various categories, such as fashion, electronics, and lifestyle.
4. Zero liability on lost card: In case your credit card gets lost or stolen, you will have zero liability on any fraudulent transactions made using the card.
5. EMI options: The card offers EMI options on purchases, allowing you to convert your high-value purchases into easy-to-pay EMIs.
6. Easy payment options: You can make payments on your Axis Bank My Zone Credit Card using various channels, including the Axis Bank mobile app, internet banking, and ATMs.
7. Complimentary airport lounge access: You can enjoy complimentary airport lounge access at select airports in India with your Axis Bank My Zone Credit Card.
Overall, the Axis Bank My Zone Credit Card is an excellent option for those looking for a credit card that offers attractive rewards, discounts, and other benefits while keeping their expenses in check.
While the Axis Bank My Zone Credit Card offers several advantages, there are some drawbacks that you should be aware of before applying for the card. Here are some of the key drawbacks of the Axis Bank My Zone Credit Card:
1. Limited cashback benefits: The cashback benefits on the card are limited to specific categories such as movie tickets, dining, and online shopping, so you may not get the same level of rewards on other purchases.
2. High annual fee: The card comes with a high annual fee, which may not be suitable for those who want a more affordable credit card option.
3. Limited airport lounge access: While the card offers complimentary airport lounge access, it is limited to select airports in India.
4. Limited acceptance: The Axis Bank My Zone Credit Card may not be accepted at all merchants or online platforms, so you may need to have an alternative payment option available.
5. High interest rates: The card comes with a high interest rate, which can make it expensive to carry a balance on the card.
Overall, while the Axis Bank My Zone Credit Card has several benefits, it may not be the best option for everyone, particularly those who are looking for a more affordable credit card or who want more flexible rewards and benefits.
The Axis Bank My Zone Credit Card is an excellent option for young professionals and students who are looking for a credit card that offers attractive rewards and benefits while keeping their expenses in check. Here are some specific groups of people who may benefit from the Axis Bank My Zone Credit Card:
1. Movie buffs and entertainment seekers: The card offers attractive cashback rewards on movie ticket purchases, making it an excellent option for those who love to watch movies.
2. Online shoppers: The card offers cashback rewards on online shopping, making it a good option for those who frequently shop online.
3. Foodies: The card offers cashback rewards on dining, making it a great option for those who love to eat out.
4. Commuters: The card offers a fuel surcharge waiver on fuel transactions, making it a good option for those who frequently use their vehicles.
5. Travelers: The card offers complimentary airport lounge access, making it a good option for those who travel frequently.
6. Students: The card offers attractive rewards and benefits at a reasonable annual fee, making it a good option for students who are looking to build their credit history.
Overall, if you fall into one or more of these categories and are looking for a credit card that offers attractive rewards and benefits, the Axis Bank My Zone Credit Card may be an excellent option for you.
If you have any queries or issues related to your Axis Bank My Zone Credit Card, you can contact the Axis Bank customer care team through the following channels:
In addition to these channels, you can also find answers to frequently asked questions related to your Axis Bank My Zone Credit Card on the Axis Bank website or mobile app.
To activate your Axis Bank My Zone Credit Card, you can follow the steps mentioned below:
1. Visit the Axis Bank website or mobile app.
2. Login to your account using your credentials.
3. Click on the ‘Credit Cards’ tab.
4. Select your Axis Bank My Zone Credit Card from the list of credit cards.
5. Click on the ‘Activate’ button.
6. Enter your credit card details such as the card number, expiry date, and CVV.
7. Set your credit card PIN.
8. Your Axis Bank My Zone Credit Card will be activated within 24 hours of setting your PIN.
Alternatively, you can also activate your Axis Bank My Zone Credit Card by calling the Axis Bank customer care helpline number at 1860-419-5555 or 1860-500-5555. Follow the IVR instructions and enter your credit card details to activate your card.
Once your Axis Bank My Zone Credit Card is activated, you can start using it to make purchases, earn rewards, and enjoy the benefits that come with the card.
Withdrawing cash using your Axis Bank My Zone Credit Card is called a cash advance. While it is possible to withdraw cash using your credit card, it is generally not recommended as it attracts high interest rates and fees. If you still want to withdraw cash using your Axis Bank My Zone Credit Card, here’s how you can do it:
1. Find an ATM that accepts your Axis Bank My Zone Credit Card.
2. Insert your credit card into the ATM and enter your credit card PIN.
3. Select the ‘Cash Withdrawal’ option and enter the amount you wish to withdraw.
4. Confirm the transaction.
5. Collect the cash from the ATM.
It is important to note that cash advances using your Axis Bank My Zone Credit Card are subject to high interest rates and fees. Additionally, the interest on cash advances is charged from the day of the transaction until the amount is repaid in full, which can result in significant interest charges. Therefore, it is generally recommended to avoid using your credit card for cash withdrawals unless it is absolutely necessary.
To increase your Axis Bank My Zone Credit Card limit, you can follow the steps mentioned below:
1. Login to your Axis Bank account on the website or mobile app.
2. Click on the ‘Credit Cards’ tab and select your Axis Bank My Zone Credit Card.
3. Click on the ‘Increase Credit Limit’ option.
4. Fill in the requested details such as your income, employment details, and other financial information.
5. Submit the application.
6. Axis Bank will review your application and assess your creditworthiness based on your credit score, credit history, and other factors.
7. If your application is approved, you will receive a confirmation from Axis Bank, and your credit limit will be increased.
It is important to note that the credit limit increase is subject to Axis Bank’s internal credit policies and your creditworthiness. If your application is not approved, you can try again after a few months once your credit score has improved or your financial situation has changed.
Additionally, you can also request a credit limit increase by calling the Axis Bank customer care helpline or visiting the nearest Axis Bank branch. The customer care executive or bank representative will guide you through the process of increasing your credit limit
The billing cycle of the Axis Bank My Zone Credit Card is typically 30 days. The billing cycle starts on the first day of the month and ends on the last day of the month. For example, if the billing cycle starts on January 1, it will end on January 31.
During the billing cycle, any purchases or transactions made using the Axis Bank My Zone Credit Card will be accumulated and reflected in the monthly credit card statement. The statement will contain details such as the total amount due, minimum amount due, due date, transaction history, and other charges.
It is important to note that the billing cycle may vary depending on the date on which your credit card was issued. You can check your credit card statement or contact the Axis Bank customer care helpline for more information about your specific billing cycle. It is advisable to make payments on or before the due date to avoid late payment fees and interest charges.
