The My Zone credit card is provided by Axis Bank and is an entry level credit card that comes with very interesting benefits. For example, with this card, you can enjoy an instant discount on Swiggy and movie benefits.
To know more about it, keep reading!
Features and Benefits
This time offers the following benefits:
- 40% off on Swiggy,
- High Security with EMV Chip and PIN,
- Complimentary airport lounge access,
- Buy One Get One Free on movie tickets,
- Complimentary SonyLiv Premium annual subscription,
- EDGE Rewards,
- Flat Rs.600 off at AJIO,
- Surcharge waiver,
- Convert purchases to EMI,
- Dining Delights.
40% off on Swiggy
Avail 40% off on food delivery at Swiggy! All you have to do is use the coupon code AXIS40.
Complimentary airport lounge access
Enjoy 1 complimentary access to select airport lounges in India per calendar quarter.
Buy One Get One Free on movie tickets,
Complimentary SonyLiv Premium annual subscription,
EDGE Rewards
Get 4 EDGE REWARD points with every Rs.200 spent on the credit card.
Flat Rs.600 off at AJIO
Get flat Rs.600 off at AJIO, on a minimum spend of Rs.2000
Surcharge waiver
Avail a 1% fuel surcharge waiver on all fuel transactions in India.
Dining Delights
Enjoy a discount of up to 15% in the best restaurants in India!
Fees and taxes
The charges for this card are:
| Joining Fee | Rs. 500 and Life Time Free Offer for *select channels |
| Annual Fee | 1st Year: Nil2nd Year onwards: Rs. 500, Lifetime Time Free Offer for *select channels |
| Cash Payment Fee | Rs. 100/- |
| Finance Charges (Retail Purchases & Cash) | 3.6% per month (52.86% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. Rs. 500) of the cash amount |
| Overdue Penalty or Late Payment Fee | Nil if Total Payment Due is less than Rs. 500Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000Rs. 1200 if total payment due is greater than Rs.10,000 |
| Over Limit Penalty | 2.5% of the overlimit amount (Min. Rs 500) |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500 |
| 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 Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Reward Point Redemption fee | yes |
| GST | As per existing Government norms |
Eligibility Criteria
If you want to apply for this card, consider the following criteria:
- Age: primary cardholder should be between 18 to 70 years of age,
- add-on cardholders should be above 15 years of age.
Documents required:
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport,
- Proof of Address: Passport, Ration Card, Electricity bill, Landline telephone bill,
- Proof of Income: The latest one salary slip, form 16, IT return copy.
To apply for this card, click here!