Axis Bank My Zone Credit Card Review

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 FeeRs. 500 and Life Time Free Offer for *select channels
Annual Fee1st Year: Nil2nd Year onwards: Rs. 500, Lifetime Time Free Offer for *select channels
Cash Payment FeeRs. 100/-
Finance Charges (Retail Purchases & Cash)3.6% per month (52.86% per annum)
Cash Withdrawal Fees2.5% (Min. Rs. 500) of the cash amount
Overdue Penalty or Late Payment FeeNil 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 Penalty2.5% of the overlimit amount (Min. Rs 500)
Cheque Return or Dishonour Fee or Auto-debit Reversal2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500
Surcharge on Purchase or Cancellation of Railway TicketsAs prescribed by IRCTC / Indian Railways
Fuel Transaction Surcharge Transaction1% 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 Fee3.50% of the transaction value
Reward Point Redemption feeyes
GSTAs 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!