Axis My Zone Credit Card
Axis Bank My Zone Credit Card is an entry-level card offering benefits across shopping, dining and entertainment. With this card, you can avail discount on popular websites like AJIO and Swiggy along with complimentary annual membership of Sony LIV. It is among the few low-fee credit cards that offer membership to an OTT platform along with a combination of rewards and discounts. Read on to know more about this card to see whether it would be the right fit for you.
Axis My Zone Credit Card Benefits
EMIs:-Any purchase above Rs.2,500 made using the card can be converted into easy monthly instalments by contacting the bank.
Fuel Surcharge Waiver:-Get 1% fuel surcharge waiver for fuel transactions carried out at all fuel stations across India. The waiver is valid on card transactions between Rs.400 and Rs.4,000. The maximum surcharge waiver is capped at Rs.400 per billing cycle.
Dining:-Under Axis Banks 'Dining Delights' programme, you enjoy a minimum 15% off on dining bills at select restaurants in the country.
Secure:-The Axis Bank My Zone Credit Card is an EMV certified chip card that is protected by a chip as well as a PIN. The inbuilt chip enables more secure transactions than a magnetic strip card. It reduces the risks of counterfeiting and skimming fraud.
Shopping:-In case you spend Rs.2,999 at Ajio, up to Rs.1,000 may be provided as a discount.
Lounge Access:-1 lounge access can be availed at an Indian airport per quarter at no additional charges.
Swiggy Discount:-Rs.120 is provided as a discount in case you use the credit card on Swiggy. The offer can be availed a maximum of two times in a month.
Song Liv:-Following the first spend by using the credit card, SongLiv Premium subscription is given free of cost.
Movie Tickets:-In case you purchase two movie tickets at Paytm movies, the second ticket is provided free of cost.
Fees and Charges for Axis Bank My Zone Credit Card
Joining fee: Rs.500 (*Lifetime free on selected channels))
Annual fee: Rs.500 (*Lifetime free on selected channels)
Cash withdrawal fee: 2.5% of the transaction amount or Rs.500, whichever is higher
Add-on card joining fee: NIL
Add-on card annual fee: NIL
Over limit penalty fee: 2.5% of the over-limit amount or Rs.500
Cash payment fee: Rs.100
Duplicate statement fee: NIL
Foreign currency transaction charge: 3.5% of the transaction value
Rent transaction fee: 1% capped at Rs.1,500 for every transaction
Dynamic currency conversion: 1% on international transaction
Fee on reward redemption: Yes
GST: According to current norms
Surcharge on purchase or cancellation of railway tickets: As prescribed by IRCTC
Fee for foreign currency transaction: 3.5% of the total amount transacted
Late Payment Fee:
Nil if Total Payment Due is less than Rs.500
Rs. 500 if total payment due is between Rs.501 - Rs.5,000
Rs. 750 if total payment due is between Rs.5,001 - Rs.10,000
Rs.1,200 if total payment due is greater than Rs.10,000
Cheque return fee:2% of the transaction amount, Minimum Rs.450 up to Rs.1,500
Eligibility for Axis Bank My Zone Credit Card
People who meet the following conditions can apply for the My Zone Credit Card.
The age of the primary cardholder must be between 18 to 70 years.
The applicant can be a resident of India or an NRI.
How To Apply My Zone Axis Bank Credit Card
Online
Given below is the procedure you will have to follow to apply for Axis Bank My Zone Credit Card
Step 1: Visit Axis Bank's official website.
Step 2: On the menu bar, click on 'Explore Products', under which click on 'Cards', followed by 'Credit Cards'.
Step 3: Find 'Axis Bank My Zone Credit Card' from the list and click on 'Know More' if you wish to find more about the card', otherwise you can click on the option 'Apply Now'.
Step 4: On clicking on 'Apply Now', a new page will open.
Step 5: Follow the steps on the next page. Personal details will need to be entered.
Step 6: Click on the box where you authorize the bank's representative to get in touch with you regarding your application for the credit card.
Step 7: Click on 'Call Me'. A representative from the bank will get in touch with you and will assist you with the process of applying for the credit card.
Offline
You can visit the nearest Axis Bank branch along with all the necessary documents. A representative from the bank will help you with the process of applying for the Axis Bank My Zone Credit Card.
Axis Bank My Zone Credit Card Lounge Access
Axis Bank has a wide range of credit cards that offer airport lounge access that can be availed by the cardholders on fulfilling the eligibility criteria set by the bank.
Axis Bank offers a set of credit cards for airport lounge access that provides complimentary visits at selected airports across India. The bank has set a certain limit on using the complimentary airport lounge access that varies depending on the type of card.
Spend Criteria to Avail Lounge Access on Axis Bank Credit Card
On a minimum spend of Rs.50,000 in previous three months, the cardholders can avail themselves of domestic airport lounges which is effective from 1 May 2024. The details about the spend criteria are mentioned below:
The minimum spend criteria is waived for the card issuance month and following three calendar months in case of newly issued card.
Billed transaction for the previous three calendar months will show the details of spending’s through Net Banking and Mobile Banking App.
For RESERVE Credit Card, Burgundy Private Credit Card, and ATLAS Credit Card, the spend based criteria is waived off.
If you fulfil the spending criteria then cardholders can avail themselves of the complimentary lounge accesses available on the credit card.
Airport Lounge Benefits for Axis Bank Credit Cards
Axis Bank Vistara Signature Credit Card Lounge Access
Complimentary Club Vistara Silver Membership
Cardholders can get two complimentary lounge access at selected airports.
The Vistara Signature card holder gets a complimentary Vistara Silver Club membership, such as priority check-in and additional baggage allowance which will be issued within 10 working days of annual or joining fee payment.
Axis Bank Miles & More World Credit Card Lounge Access
Priority Pass Lounge Access program benefits
Per quarter, the cardholders will get four complimentary visits.
Offer is valid mainly for the cardholder
Complimentary membership to Priority Pass Lounge Access to over 1000 lounges around the world
All the lounge visits on the card are subject to a per person and a per visit charge
Additional members during the visit will be charged to the cardholder and the charges levied based on the rates specified by the bank
Two complimentary Priority Pass lounge visits in a year
Any accompanying kids will be charged the full fee as that of adults
Axis Bank Miles & More World Select Credit Card Lounge Access
Priority Pass Lounge Access program benefits
The Miles & More Complimentary Priority Lounge Access benefit
CardAccess to over 1000 lounges around the world
The lounge access offer is valid only for the cardholder
All the lounge visits on the card are subject to a per person and a per visit charge
Additional members during the visit will be charged to the cardholder and the charges are levied based on the rates specified by the bank
Four complimentary Priority Pass lounge visits in a year
FAQs (Frequently Asked Questions)
- Can I apply for Axis Bank My Zone Credit Card if I don't have an account with Axis Bank?
- Yes, you can definitely apply for Axis Bank My Zone Credit Card if you don't have an account with Axis Bank but you have to meet certain eligibility criteria to avail yourself of this credit card. Usually, the bank offers credit cards to those who have a credit score of at least 750.
- How does Axis Bank My Zone Credit Card work?
- Axis Bank My Zone Credit Card provides a line of credit to purchase items and take cash advances that the cardholders can repay later. The bank levies interest as well as other charges for its services. The cardholders of Axis Bank My Zone Credit Card should pay minimum due amount every month within the due date of every month.
- How to activate my Axis Bank My Zone Credit Card?
- Axis Bank My Zone Credit Cardholders can easily generate the PIN by visiting the nearest Axis Bank ATM or by calling at their customer support number 1860-500-5555. Apart from this, the PIN can also be generated by visiting the official website of Axis Bank.
- How to withdraw money from my Axis Bank My Zone Credit Card?
- Axis Bank My Zone Credit Cardholders can withdraw a specific amount of cash at any time, but the bank will charge a cash advance fee of 2.5% of the amount withdrawn using the credit card.
- What is the foreign currency transaction fee charged on Axis Bank My Zone Credit Card?
- The foreign currency transaction fee charged on Axis Bank My Zone Credit Card is 3.5% of the amount transacted. Thus, it is not the preferred credit card for making foreign currency transactions because it incurs high fees.
- How long will the bank take to approve my Axis Bank My Zone Credit Card application?
- You would know about the decision on your application for the Axis Bank My Zone Credit Card within 21 working days from the date the bank receives your request.
- How can I access my Axis Bank Credit Card from the airport lounge?
- To access your Axis Bank credit card from the airport lounge, all you have to do is provide your card at the lounge reception's billing terminal to be swiped at the Point of Sale (PoS) terminal for Rs.2 for validation purposes for Visa card (the rates may change depending on the type of card).
- What is complimentary airport lounge access?
- Complimentary lounge access provides you with free access to the airport lounge and the facilities inside it.
- How do I know if my Axis Bank Credit Card has access to airport lounges?
- You can check if your Axis Bank credit card has lounge access by checking the bank's website or the list given above on this page.