Axis Bank My Zone Credit Card
Axis Bank
Annual / renewal fee
₹500.
VerifiedAxis Bank My Zone Credit Card product page14 Aug 2026, 8:41 AM ISTAxis Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Axis Bank My Zone Credit Card by Axis Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Annual / renewal fee
₹500.
VerifiedAxis Bank My Zone Credit Card product page14 Aug 2026, 8:41 AM ISTAxis Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
₹500 (Annual Fee, 2nd year onwards).
VerifiedAxis Bank My Zone Credit Card — governing document (side-door search)14 Aug 2026, 8:41 AM ISTAxis Bank
Rewards
Redemption value
Effective 1st Oct 2025, the bank shall forfeit any unredeemed EDGE REWARD Points/Miles 30 days after the customer's credit card closure or if the minimum amount due remains outstanding for more than 90 days.
Verifiedcardholder_agreement14 Aug 2026, 8:41 AM ISTAxis Bank
Reward exclusion
Verifiedcardholder_agreement14 Aug 2026, 8:41 AM ISTAxis Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Dining benefit
Renewal of Sony LIV subscription on spends of ₹1,50,000 in a card anniversary year offer will be discontinued from 1st April 2026.
Verifiedcardholder_agreement14 Aug 2026, 8:41 AM ISTAxis Bank
Milestone benefit
Starting 1st April 2026, earn 1,000 EDGE REWARD Points on achieving annual spends of ₹1.5 lakhs in the card anniversary year (spends evaluated 60 days after card anniversary date; spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions excluded).
Verifiedcardholder_agreement14 Aug 2026, 8:41 AM ISTAxis Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5% of the transaction value (Foreign Currency Transaction Fee for all other cards).
Verifiedmitc14 Aug 2026, 8:41 AM ISTAxis Bank
Charge
- Overdue interest on extended credit / interest on cash advances: 3.75% per month (55.55% per annum).
- Cash withdrawal fee: 2.5% (Min. ₹500) of the cash amount.
- Fee for Cash Payment at branches: ₹175.
- Late Payment Fee: Nil if total payment due up to ₹500.
- ₹500 if between ₹501 and ₹5,000.
- ₹750 if between ₹5,001 and ₹10,000.
- ₹1,200 if greater than ₹10,000.
- Recurring Late Payment Fee: Additional ₹100 on missing MAD by due date for two consecutive cycles.
- Over-limit Fee: 2.5% of over-limit amount (min ₹500).
- Cheque return/Dishonour Fee: 2% of payment amount subject to Min. ₹500.
- Dynamic Currency Conversion markup: 1.5% plus taxes (effective 20th Dec 2024).
- Rent Transaction Fee: 1% per transaction.
- Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle (effective 20th Dec 2024).
- Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle (effective 20th Dec 2024).
- Education Transaction Fee: 1% per transaction via third party apps (effective 20th Dec 2024).
- Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle (effective 20th Dec 2024).
- Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle (effective 20th Dec 2024).
Verifiedmitc14 Aug 2026, 8:41 AM ISTAxis Bank
Fuel surcharge waiver
- Fuel Transaction Surcharge: 1% of transaction amount.
- Refund NOT applicable on MY ZONE Credit Card.
Verifiedmitc14 Aug 2026, 8:41 AM ISTAxis Bank
Interest-free period
The interest-free credit period could range from 20 to 50 days, depending on the date of transaction.
Verifiedmitc14 Aug 2026, 8:41 AM ISTAxis Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Axis Bank My Zone Credit Card?
Officially traced: Rs. 500.
Axis Bank My Zone Credit Card product pageWhat is the joining fee on the Axis Bank My Zone Credit Card?
Officially traced: Rs. 500.
Axis Bank My Zone Credit Card product pageWhat are the transfer ratios for Axis Bank My Zone Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card.
Verifiedkfs14 Aug 2026, 8:41 AM ISTAxis Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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