Our Money Guide

The Axis Bank MY ZONE Credit Card is a good beginner card, which offers discounts on a variety of preferred partners- Ajio, Swiggy, Paytm Movies, EazyDiner. The card also offers lifestyle benefits like complimentary domestic airport lounge access and complimentary SonyLiv subscription.

However the reward rates on card spending are low, and the discount amounts offered at select partners are relatively small.

Brief Summary

Our Rating
3.0 / 5


Our View :

Best for those who like shopping and spending at select partners of this card – Ajio, Swiggy, Paytm Movies, EazyDiner. The discount amounts are relatively small and some partnerships have certain restrictions like minimum order size and how many times you can avail the discount.

The card also offers lifestyle benefits like complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription – which is not very common at entry level cards. However the reward rates on card spending are low.

Hence this card is suitable for beginners and low spenders.

on Axis Bank website

Axis Bank MY ZONE Credit Card

Special Benefits

Attractive discounts on a variety of partners

Other Benefits

Complimentary domestic airport lounge access

Minimum Income

Not specified

Annual Fee

₹ 500

Annual Fee Offers

Welcome offer worth ₹999
Renewal offer worth ₹999

Axis Bank MY ZONE Credit Card : Summary Table

Upto 24% discount on Swiggy – twice a month– You can avail this discount 2 times a month
– You get ₹120 discount, on orders of ₹500 and above, twice a month.
BOGO (Buy One Get One) offer on Paytm Movies You get 2nd movie ticket free, maximum discount allowed on the 2nd ticket is ₹200 per month.
Upto 33% discount at Ajio, on a selected list of products – You get upto ₹1000 discount at Ajio, on a minimum order amount of ₹2999
– Discount is only applicable on a selected list of products. To see selected list of products, please click here.
0.40% benefit on all other card spends You earn 2 EDGE reward point worth 40 paise , on every ₹100 you spend on all other purchases.
– 1 EDGE reward point = ₹0.20 or 20 paise.

No rewards are given on movie transactions, fuel spends, insurance spends EMI transactions, wallet-loading transactions, utility payments, payment to government institutions, payment to educational institutions, rental payments, rental brokerage.
Complimentary domestic airport lounge access – once per quarterYou get free visits to airport lounges in India – once per quarter.

Please click here for details.
Dining benefits (Dining Delights program)– 15% discount at over 4000 restaurants, in partnership with EazyDiner– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.
Fuel surcharge waiverYou get 1% fuel surcharge waiver –
– only on fuel transactions between ₹400 and ₹4000, and
– only on fuel purchases upto ₹40000 per month (since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle)
Exclusive deals on Axis Grabdeals platformAxis Grabdeals is a platform where Axis Bank presents its exclusive tieups with a large variety of partners. There are more than 50 exclusive deals available on Axis Grabdeals – from large online stores, fashion, groceries, travel etc. 

For details, please visit click here – Axis Grabdeals Platform
₹500 annual fee

Complimentary SonyLiv subscription as a welcome offer
Annual fee offers : Below offers are only applicable for credit cards on which annual fee is charged.
– Welcome offer :
You get a complimentary one-year SonyLiv subscription worth ₹999, as a welcome offer.
Renewal fee offer : Your complimentary SonyLiv subscription worth ₹999 is renewed, if you spend ₹1.50 lakhs or more in the previous year.

Note : The card is offered as lifetime free on select sourcing channels.

Pros & Cons

Benefits of using the Axis Bank NEO Credit Card

  • Good discounts on a few select partners of this card – Ajio, Swiggy, Paytm Movies, EazyDiner.
  • The card also offers lifestyle benefits like complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription – which is not very common at entry level cards

Limitations and drawbacks to consider

  • The reward rates on card spending are low.
  • The discount amounts are relatively small and some partnerships have certain restrictions like minimum order size and how many times you can avail the discount.
  • Hence this is suitable only for beginners and low spenders.

Full Review of the Axis Bank MY ZONE Credit Card

Features & Benefits of Axis Bank MY ZONE Credit Card

Upto 24% discount (maximum ₹120 discount) on Swiggy – twice a month

BOGO (Buy One Get One) offer on Paytm Movies

Upto ₹1000 discount at Ajio

0.40% benefit on all card spends

Complimentary domestic airport lounge access – once a quarter

Dining Benefits – Dining Delights Program

Fuel surcharge waiver

Other Cardholder Benefits

24/7 customer supportPlease click here for all the options to contact the bank for various issues and escalations
Easy EMI conversionsCustomers can convert their credit card purchases of ₹2,500 or more into easy EMIs.The program offers the convenience of paying back in parts rather than the entire amount upfront. However it is best to pay your credit card in full, and only use such facilities if you face a financial emergency.
Contactless payment– Look for the contactless network symbol on your card to determine if your credit card is contactless.
– In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction, without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Important Card Fees and Charges

Annual fee and annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹500Welcome offer : You get a complimentary one-year SonyLiv subscription worth ₹999, as a welcome offer.
Renewal fee from 2nd year onwards₹500Renewal fee offer : Your complimentary SonyLiv subscription worth ₹999 is renewed, if you spend ₹1.50 lakhs or more in the previous year.
Note : The card is offered as lifetime free on select sourcing channels.

Late payment fee

Late payment fees depends on the total payment due. This fee is charged if you do not pay even the minimum amount due on your credit card bill.

Total bill amount dueLate payment charges
Less than ₹500None
Between ₹501 – ₹5000₹500
Between ₹5,001 – ₹10,000₹750
More than ₹10,001₹1200

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges : 3.60% per month

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Axis Bank MY ZONE Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholder – 18 years
Add-on cardholder – 15 years
Maximum age70 years
Occupation Salaried, self-employed
Minimum income requirementsNot specified
Credit scoreNot specified , preferably above 700-750

Application Process

Step-by-step guide to applying for the card

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy
– To apply, simply provide your personal details such as your mobile phone number, income, PAN number, along with the required documents 
– Review your application and click submit.
Await confirmation from Axis Bank regarding the status of your application.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and processThe credit card decision would be communicated maximum within 21 working days, in most cases. In certain cases, it could take longer especially if the bank would want more information and/or documents from you

Please click here to track the status of your Axis Bank Credit Card application.

Necessary documents and verification

Required documents 
– PAN card photocopy or Form 60
– Colour photograph
– Income proof : Latest payslip/Form 16/IT return copy 
– Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill
– Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.

Conclusion

In conclusion, the Axis Bank MY ZONE Credit Card is a good beginner shopping card. It offers discounts on a variety of preferred partners- Ajio, Swiggy, Paytm Movies, EazyDiner. The card also offers lifestyle benefits like complimentary domestic airport lounge access and complimentary SonyLiv subscription.

However the reward rates on card spending are low, and the discount amounts offered at select partners are relatively small, so it is a suitable card for beginners and low spenders.

Apply Now

on Axis Bank website

Frequently Asked Questions

How do I apply for the Axis Bank MY ZONE Credit Card?

The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

How does the Axis Bank MY ZONE Credit Card’s rewards program work?

The Axis Bank MY ZONE Credit Card rewards program allows you to earn attractive discounts with a variety of partners like Ajio, Swiggy, Paytm Movies, EazyDiner.

Is the Axis Bank MY ZONE Credit Card equipped with contactless payment technology?

Yes, the Axis Bank MY ZONE Credit Card is contactless-enabled, allowing you to make quick and secure payments by simply tapping the card at enabled terminals. This feature enhances convenience and speeds up transactions.

Can I convert high-value purchases into easy monthly instalments?

Yes, the Axis Bank MY ZONE Credit Card offers the option to convert high-value purchases into convenient monthly instalments with attractive interest rates. This feature provides flexibility in managing expenses and helps you budget effectively. However it is best to pay off your card bill in full and only use this feature in case of emergencies.

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review