Axis Bank My Zone

Axis Bank My Zone Credit Card is a lifestyle-focused credit card designed for everyday spending on food, entertainment, travel, and online shopping. It offers value-back benefits, OTT subscriptions, dining discounts, and lounge access, making it ideal for young professionals and regular spenders.

✔️ Applicant must be an Indian resident or NRI (subject to bank conditions)
✔️ Age: 18 to 60 years
✔️ Salaried or self-employed individual
✔️ Stable income source
✔️ Good CIBIL score (750+ preferred)

✔️ Joining Fee: ₹500 (often waived on offers)
✔️ Annual Fee: ₹500 (waived on spending criteria)
✔️ Interest Rate: ~3.4%–3.75% per month (~49%–55% p.a.)
✔️ Cash Withdrawal Fee: 2.5% (min ₹500)
✔️ Foreign Currency Markup: 3.5%
✔️ Late Payment Charges: As per bank policy

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Passport-size photographs

Q1. What benefits does Axis Bank My Zone Credit Card offer?
Ans. It offers OTT subscription, dining discounts, reward points, and lounge access benefits.

Q2. Is there any annual fee?
Ans. Yes, ₹500 annual fee, which can be waived on meeting spending conditions.

Q3. Does it provide lounge access?
Ans. Yes, complimentary domestic lounge access is available (subject to spend criteria).

Q4. What reward points do I earn?
Ans. You earn 4 EDGE Reward Points for every ₹200 spent.

Q5. Is fuel surcharge waived?
Ans. Yes, 1% fuel surcharge waiver is applicable on eligible transactions.