Key Highlights of Axis Bank MY ZONE Credit Card

Following are the key highlights of Axis MY ZONE credit card:

Joining feeNill
Annual feeNill
Benefits Instant discount on movies, food delivery & online shopping, purchases to EMI conversion, complimentary airport lounge access, etc.
Welcome benefitRs. 2,000 worth Amazon voucher
Rewards4 EDGE reward points on spending every Rs. 200
Age18 to 70 years
Foreign currency transaction fee3.50% of the transaction value

Features & Benefits of Axis Bank MY ZONE Credit Card

Axis Bank MY ZONE credit card benefits and features are as following:

Activation Benefits

  • SonyLiv Premium 1 year subscription worth Rs. 999.

Lounge Access

  • One of the best MY ZONE credit card benefits is that you get 4 complimentary lounge access per calendar quarter at select airport lounges in India. 

Discounts & Cashback

  • MY ZONE credit card offers 40% (maximum Rs. 120 per order) off on food delivery done via Swiggy by using coupon code AXIS40. Offer is applicable on spending minimum Rs. 200 and can be availed for up to 4 times in a month.
  • Axis Bank MY ZONE credit card offers 20% off at 4000+ partner restaurants in India.
  • Rs. 600 off at AJIO on spending minimum Rs. 2,000. Use AXIS200 coupon code to avail the discount. 
  • Buy 1 get 1 Free Movie ticket on Paytm

Fuel Waiver

  • Axis MY ZONE credit card offers 1% fuel surcharge waiver on every fuel transaction in India. 
  • The offer is valid only on transactions between Rs. 400 to Rs. 4,000.
  • Maximum benefits available up to Rs. 400 per month.

Card Safety

  • One of the key Axis Bank MY ZONE credit card features is that it is protected by chip and PIN with EMV.
  • Report misplacement or theft of your Axis MY ZONE card by calling at Axis Bank customer care at 18605005555 or 18604195555 to get protection against fraudulent use of your card. 

Convert Purchases into EMIs

  • Under Axis MY ZONE credit card benefits, you can Contact Axis Bank customer care to convert your every big purchase worth Rs. 2500 or more on credit card into into EMIs 


  • Earn 4 EDGE MY ZONE credit card reward points on every spending of Rs. 200, except movie, fuel and EMI transactions.


  • Joining fee: Nill
  • Annual fee: Nill

Axis Bank MY ZONE Credit Card Fees & Charges

Following are the details of Axis Bank MY ZONE credit card charges:

  • Joining fee: Nill
  • Annual fee: Nill
  • Joining and annual fees for Add-on card: Nil
  • Hotlisting charges: Nil
  • Duplicate statement fee/ Charge slip retrieval fee/ Copy request fee/ Outstation cheque fee/ Balance enquiry charges: Waived.
  • Cash payment fee: Rs. 100
  • Card replacement fee: Rs. 100
  • Finance charges for retail purchases & cash: 3.4% per month (49.36% p.a.)
  • Cash withdrawal fees: 2.5% (minimum Rs. 500) of the amount withdrawn
  • Overdue penalty/ Late payment fee: Up to Rs. 50,000 depending on the due payment amount.
  • Overlimit penalty: 2.5% of over the limit amount (minimum Rs. 500)
  • Cheque return/dishonour fee or auto-debit reversal: 2% of the amount (minimum Rs.450).
  • Foreign currency transaction fee: MY ZONE credit card charges 3.50% of the transaction value as forex charges.
  • Surcharge on purchase/cancellation of railway tickets: As mentioned by IRCTC/Indian Railways.
  • GST: As per existing Government norms.

Axis Bank MY ZONE Credit Card Eligibility

Following are the Axis Bank MY ZONE credit card eligibility criteria in detail:

  • Primary cardholder can be an Indian resident or a Non-Resident Indian (NRI). 
  • The Primary cardholder must be aged between 18 and 70 years. 
  • The Add-on cardholder should be above 15 years of age.

Axis Bank MY ZONE Credit Card Document Required

If you are looking for Axis Bank MY ZONE credit card apply online with the following documents: 

  • A copy of PAN card or Form 60
  • Recent coloured photograph
  • Income proof: Recent Payslip/ Form 16/ ITR copy
  • Residence proof: Passport/ Ration Card/ Electricity Bill/ Landline Telephone Bill
  • Identity proof: Passport/ Driving License/ PAN Card/ Aadhaar Card

How to Apply for MY ZONE Credit Card?

You can apply for the Axis Bank MY ZONE credit card online through Axis Bank’s website or MyMoneyMantra in a completely paperless with the following steps:

  • Check your eligibility for the credit card by clicking on 'Check Eligibility'.
  • Fill in the required information.
  • Upload the documents as required.

You can track your Axis Bank MY ZONE card application by using the tracking ID with the 'Track Application' process.

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Axis Bank MY ZONE Credit Card FAQs

How can I increase the limit of MY ZONE Credit cards?


You can place a request to increase your Axis MY ZONE credit card limit only if your card is eligible for limit enhancement. Else, you will receive a notification mentioning that currently you are not eligible for Axis Bank MY ZONE credit card limit enhancement.

Is Axis MY ZONE credit card free for lifetime?


No, you have to pay an annual and joining fee of Rs. 500 + GST.

How to check the status of Axis MY ZONE Credit Card?


To check the status of your Axis MY ZONE Credit Card, you can call the customer care team of the bank and quote your application/reference number. You can also check the status by logging in to your netbanking account where you can see the option to view the status of your application.

Can we withdraw money from Axis MY ZONE credit card?


Yes you can withdraw money from your Axis MY ZONE credit card by paying a cash withdrawal fee of 2.5% (minimum Rs. 500) of the amount withdrawn.

Which is the best credit card of Axis Bank?


Neo, MY ZONE, and Select credit cards are some of the best credit cards of Axis Bank.