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My Zone Credit Card
Get your Fixed Deposit backed secured credit card, with minimal documentation and guaranteed approval.
Features & Benefits
Buy One Get One Free on movie tickets
- Enjoy 100% discount on your second movie ticket booked via District app using your MY ZONE Credit Card
Complimentary Sony LIV Premium annual subscription
- Receive a SonyLIV premium annual subscription valued at ₹1499 for free
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Instant discount on Swiggy
- Flat ₹120 off on food delivery at Swiggy with your My Zone Credit Card
Enjoy complimentary lounge access
- Benefit from one complimentary access per calendar quarter to select airport lounges in India with your Axis Bank My Zone Credit Card.
Rewards on achieving milestone spends
- You will be eligible to earn 1,000 EDGE REWARD Points on achieving annual spends of ₹1.5 lakhs in your card anniversary year
Shopping Discount at AJIO
- Save up to ₹1,000 at AJIO on minimum purchases of ₹2,999 using the coupon code AJIOAXISMZ, valid from 1st May, 2023
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Fuel up and get a waiver on surcharge
- 1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank MY Zone Credit Card
Spend securely
- Enhance your security with an EMV certified chip credit card, designed to minimize the risk of counterfeit and
Dining Delights
- Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
Convert purchases to EMI
- For any transactions exceeding ₹1,500, contact the bank to convert your large credit card purchases into manageable EMIs.
Fees & Charges
The fees and charges for My Zone Credit Card are applicable to all card holders. The My Zone Credit Card fees include cash payment fee, joining fee and an annual fee.
Fees & Charges
The fees and charges for My Zone Credit Card are applicable to all card holders. The My Zone Credit Card fees include cash payment fee, joining fee and an annual fee.
| Description | Charges |
|---|---|
| Joining fee | ₹500 |
| Annual Fee | ₹500 |
| Add-on Card Joining Fee | Nil |
| Add-on Card Annual Fee | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fee | ₹175 |
| Duplicate Statement Fee | Waived |
| Charge Slip Retrieval Fee or Copy Request Fee | Waived |
| Outstation Cheque Fee | Waived |
| Mobile Alerts for Transactions | Free |
| Hotlisting Charges | Nil |
| Balance Enquiry Charges | Waived |
| Finance Charges (Retail Purchases & Cash) | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. ₹500) of the cash amount |
| Overdue Penalty or Late Payment Fee | Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹ 5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000 An additional charge of ₹100 will be levied on missing payment of MAD by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared |
| Over Limit Penalty | 2% of the payment amount subject to minimum of ₹500 |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to minimum of ₹500 |
| 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 ₹400 to ₹4,000. Maximum benefits up to ₹400 per month) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Reward Point Redemption fee | yes |
| GST | As per existing Government norms |
| Rent Transaction fee | 1% of transaction amount. GST applicable as notified by Government of India |
| Dynamic Currency Conversion MarkUp | 1.5% Of Transaction Amount Applicable On International Transactions Performed In Indian Currency At International Location Or Transactions Performed In Indian Currency With Merchants Located In India But Registered In Foreign Nation. GST applicable as notified by Government of India |
| Education Transaction Fee | 1% on each education payments done through third party apps. GST applicable as notified by Government of India |
| Wallet Load Transaction Fee | 1% on cumulative wallet load transactions of ₹10,000 or more in a statement cycle. GST applicable as notified by Government of India |
| Fuel Transaction Fee | 1% on cumulative fuel transactions of ₹50,000 or more in a statement cycle. GST applicable as notified by Government of India |
| Utility Transaction Fee | 1% on cumulative spends of ₹25,000 or more made towards utility payments in a statement cycle within a statement period. GST applicable as notified by Government of India |
| Online skill-based gaming Transaction Fee | 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period. GST applicable as notified by Government of India |
Value Chart
The value chart for MYZONE Credit Card lists the cashback and points earned based on your transactions. You can avail benefits worth upto ₹12,999 using your MYZONE Credit Card annually.
| Details | Monthly Benefit (₹) | Annual Benefit (₹) |
|---|---|---|
Sony Liv Activation Benefit1 | 1,499 | |
Movie spends at District | 200 | 2,400 |
Food ordering at Swiggy | 240 | 2,880 |
Online shopping at AJIO2 | 300 | |
Fuel Spends3 | 30 | 360 |
Domestic Airport Lounge Access4 | 2,000 | |
EDGE Rewards | 50 | 600 |
Total Benefits (Year1)# | - | Upto 10,039 |
Total Benefit (Year2 onwards)# | - | Upto 13,499 |
Annual benefits as a percentage of spends* | 6.7% | |
1Applicable for first year only | ||
Terms & Conditions
The terms and conditions of Myzone Credit Card will be updated w.e.f. 20th June,2025. Please click here to know more.
The terms and conditions of MyZone credit card will be updated from 15th Aug, 2025 click here to know more
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