Axis Bank My Zone Credit Card

The Axis Bank My Zone Credit Card is an entry-level offering by the bank. The card welcomes its customers with a complimentary premium subscription to SonyLiv worth Rs. 999. Considering that this is a lifetime free offering, the card comes packed with plenty of value-added benefits, including movie & dining offers, complimentary domestic airport lounge access, and many more. Regarding the reward rate, you earn 4 EDGE Points for every Rs. 200 you spend with the card, where 1 Edge Reward = Re. 0.20.

Moreover, you are given a buy 1 get 1 free offer on movie tickets monthly via Paytm Movies. Keeping the dining requirements of its customers in mind, Axis Bank offers up to 15% off up to Rs. 500 on dining with this credit card. Besides all these privileges, you also get complimentary access to domestic airport lounges every quarter.

The best feature of the My Zone Credit Card is that it’s a lifetime free offering by Axis Bank. You wouldn’t have to pay any joining or annual charges for this credit card.

The card comes with high security with an EMV chip and pin, and additional benefits include milestone benefits, exciting discount offers on shopping brands like Ajio, etc. Our Axis Bank My Zone credit card review will discuss the features and benefits, fees and charges, how to apply, eligibility, and other details of this card.

Fee Joining Fee Nil

Renewal Fee Nil

Best Suited For

Movies | Shopping | FoodReward Type

Reward Points

Welcome Benefits

Free SonyLiv annual subscription worth Rs. 999.

Axis Bank My Zone Credit Card is a basic yet one of the most popular cards offered by the bank. With a very nominal fee of Rs. 500, it provides you with a number of exciting benefits across several categories, including reward programs, travel benefits, milestone benefits, and many more. Following are all its detailed features and benefits:

Welcome Benefits

• You get a complimentary annual premium membership of SonyLiv worth Rs. 999 as a welcome benefit.
• Cardholders will be eligible for the complimentary membership only after making their first transaction within 30 days of the card issuance.
• The voucher code will be sent to you via SMS on your registered mobile number within 45 days of card issuance.

Axis Bank My Zone Credit Card Rewards

• You earn 4 EDGE Points per Rs. 200 spent with the card.
• No Edge Rewards will be earned on movies, fuel, wallet reloads, insurance, education, government-related education, and EMI transactions.

Reward Redemption

• The EDGE Points earned on the card are redeemable for shopping/travel vouchers or for purchasing products (from the given product catalog) from the Axis Bank EDGE Rewards Portal.
• 1 EDGE Point = Rs. 0.20.

Milestone Benefit

• The complimentary SonyLiv membership is renewed every year on spending a minimum of Rs. 1.5 lakhs in an anniversary year.
• The voucher code will be sent to you within 60 days after the payment of the annual fee.

Axis Bank My Zone Credit Card Eligibility Criteria

The basic eligibility criteria that you will have to fulfill to get approved for the Axis Bank My Zone Credit Card are as follows. However, the bank may have some internal criteria as well:

• The primary cardholder must be between 18 years and 70 years of age.
• Add-on cardholder(s) must be above 15 years of age.
• You must have a stable source of income.
• The cardholders must be Indian residents or NRIs.

Axis Bank My Zone Credit Card Fees & Charges

• The annual fee of the My Zone Credit Card issued by Axis Bank is zero, which makes the card even more attractive.
• The interest rate on this credit card is 3.6% per month (52.86% annually).
• The foreign currency markup fee on the Axis Bank My Zone Credit Card is 3.5% on all foreign currency transactions.
• The cash advance fee on this credit card is 2.5% of the transacted amount, subject to a minimum of Rs. 500. This fee is charged when you withdraw cash using your Axis Bank My Zone Credit Card.

Axis Bank My Zone Credit Card Limit

The credit limit assigned with the Axis Bank My Zone Credit Card is not fixed for every cardholder. It may vary depending on their past payment behavior, their credit history, income, and a few other factors. People with a high credit score generally get a higher credit limit than those with an average or low credit score.

However, if you are not satisfied with the credit limit you have, you can always apply for a higher credit limit. To do this, you can either contact your credit card customer care or visit your nearest Axis Bank branch. However, it is highly advisable to use your My Zone card responsibly for a few months before applying for a credit limit increase.

How to Apply for the Axis Bank My Zone Credit Card?

Applying for the Axis Bank My Zone Credit Card is convenient, as you can choose to do it online or offline. To apply offline, you need to visit the nearest branch and fill out the physical application form. If you prefer to apply online, follow these easy steps:

• Click on the Apply Now button at the top of this page.
• You will be taken to the Credit Card Application page.
• Simply fill in a few details and apply for the Axis Bank My Zone Credit Card.

Axis Bank My Zone Credit Card Activation/PIN Generation

With the increasing technology, banking tasks have also become way easier than before, and you can do most of your banking work from the comfort of your home:

• You can contact Axis Bank customer care and ask them to help you generate your credit card PIN. You will be asked for details like your credit card number, DOB, etc., and an OTP will be sent to your registered mobile number to verify your identity. After successful verification, you can quickly generate your credit card PIN.
• You can also do the same by logging in to your internet banking account. You can find an option to generate your credit card PIN under the My Credit Card option and then more services.
• One of the easiest ways to activate your credit card is to do it via an ATM. Just visit your nearest ATM and look for a credit card PIN Generation option in the main menu. Make sure that your registered mobile number is with you at the time of PIN generation.

Axis Bank My Zone Credit Card Customer Care

For any queries or complaints related to your Axis Bank My Zone credit card, you can contact the Axis Bank credit card customer care via the following contact details:

• For any emergency assistance, you can call customer care at 1860-419-5555, 1860-500-5555, and +91-22-67987700 (24*7 helpline).
• To contact customer care via mail, go to Axis Bank’s official website, click on the option ‘support,’ select ‘Contact via Email’ and proceed further to write and send the email.

FAQs about Axis Bank My Zone Credit Card