Axis Bank My Zone Credit Card

Annual fee

₹500 a year.

Joining fee

₹500 to join.

Add-on card fee

₹0Nil

Welcome benefit

Receive a SonyLIV premium annual subscription valued at ₹1499 for free with your first purchase within first 30 days of issuance

Catalogue redemption

Redemption options are listed in the EDGE REWARDS Catalogue on the official website.

Domestic lounge access

One complimentary access per calendar quarter to select airport lounges in India; benefit unlocked on spends of ₹50,000 in previous 3 months.

Hotel or travel programme

Cleartrip: Flat 7% discount (up to ₹2,000) on domestic and international flight bookings and flat 18% discount (up to ₹4,000) on hotel bookings; applicable once per use per month

Dining programme

Flat ₹120 off on food delivery at Swiggy, on minimum spends of ₹500, upto 2 times a month

Milestone benefits

1,000 EDGE REWARD Points on achieving annual spends of ₹1.5 lakhs in your card anniversary year

Movie or entertainment ticket benefit

100% discount on your second movie ticket at District; up to ₹200 off per month

Fuel surcharge waiver

1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank MY Zone Credit Card.

Purchase to EMI conversion

Transactions exceeding ₹1,500 can be converted into EMIs by contacting the bank.

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value

Dynamic currency conversion markup

3.5%3.5% of Transaction Amount

Cash advance fee

2.5% (Min. ₹500) of the cash amount.

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

The interest-free credit period could range from 20 to 50 days, depending on the date of transaction

Late payment fee

Nil if total payment due is up to ₹500; ₹500 if total payment due is between ₹501 and ₹5,000; ₹750 if total payment due is between ₹5,001 and ₹10,000; ₹1,200 if total payment due is between ₹10,001 and ₹50,000; ₹1,300 if total payment due is greater than ₹50,000

Over-limit fee

2.5% of Over-limit Amount (Min ₹500)

Payment return or dishonour fee

2% of the payment amount, Min. ₹500.

Statement or duplicate statement fee

Duplicate statement fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

₹175 for cash payment at branches.

Cheque payment / dishonour fee

2% of the payment amount subject to minimum of ₹500

Education / school fee charge

1% on each Education Payment made via third party apps.

Fee on online skill-based gaming spends

1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period.

Reward redemption fee

Yes

Wallet load charge

1% on cumulative wallet load transactions of ₹10,000 or more in a statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

1% of each Rental Transaction Amount.

Utility transaction fee

1% on cumulative spends of ₹25,000 or more towards utility payments in a statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100

Minimum age

Primary cardholder should be between 18 to 70 years of age.

Documents required

Latest payslip, Form 16 or IT return copy as income proof.