Axis Bank
My Zone · MY ZONE
Axis Bank MY ZONE Credit Card
Axis Bank
Lifestyle perks with movie offers and lounge access at zero annual fee
Annual Fee
Free
Joining Fee
₹500
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹11,410
Total Annual Benefits
₹12,000
Total Annual Charges
₹590
ROI
1934%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (1)
1% Cashback on All Spends
Earn 1% cashback on all retail transactions
- • Excludes fuel, EMI, wallet loads
1% cashback
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
- • 2 visits per quarter
- • Swipe card at lounge terminal
8 visits/year
₹20,000/yr
Movie Benefits (1)
Buy 1 Get 1 on Movie Tickets
Buy one movie ticket and get one free on BookMyShow
- • Valid on BookMyShow
- • Max discount ₹200 per transaction
- • 1 transaction per month
BOGO
₹2,400/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
MY ZONE Cashback
1% cashback on all spends
Effective cashback: 1.00%
Points expire: Cashback credited directly to statement, no expiry
Redemption Options
- → Auto-credited to credit card statement
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 One-time joining fee excluding GST at 18% |
| Annual Fee | Free Nil — no annual fee from second year onwards |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 18–65 years
- • No annual fee makes it easy to retain
Insurance Coverage
Lost Card Liability
₹50,000
Report within 24h
- • Lost card liability: ₹50,000
- • Report loss within 24 hours for coverage
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • 2 complimentary domestic lounge visits per quarter
- • Swipe card at lounge terminal for access
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Buy 1 Get 1 movie tickets on BookMyShow Zero annual fee from second year
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis MY ZONE Credit Card is a lifestyle credit card with zero annual fee, offering 1% cashback on all spends, 2 complimentary domestic lounge visi...
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