Axis Bank MY Zone Easy Credit Card

Annual fee

₹500 a year.

Joining fee

₹500 to join.

Fee waiver rule

Annual fee waiver on spends of ₹50,000 in preceding card anniversary year

Add-on card fee

₹0Nil

Reward rate

4 EDGE REWARD points per ₹200 · everyday spends4 EDGE REWARD points for every ₹200 spent on domestic transactions.

Reward exclusions

No reward points are earned on fuel transactions or movie offer transactions.

Catalogue redemption

Redemption options are in the EDGE REWARDS Catalogue.

Hotel or travel programme

Up to 15% instant savings on flights and hotels via Goibibo and Makemytrip

Dining programme

Axis Bank Dining Delights offering a minimum 15% off at our partner restaurants in India

Movie or entertainment ticket benefit

25% cashback on online and box office movie ticket purchases; cashback in a calendar year is limited to ₹1000.

Fuel surcharge waiver

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

Purchase to EMI conversion

Transactions over ₹2,500 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% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

2.5% (minimum ₹500) of the cash amount

Interest on unpaid balance

3.40% per month (49.36% per annum)

Interest-free period

The interest-free credit period could range from 20 to 50 days, depending on the date of transaction. Suspended if any balance from the previous month's bill is not paid by the due date.

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 the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of ₹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 per payment transaction for cash payment at branches (daily limit for cash payment is ₹50,000)

Cheque payment / dishonour fee

Outstation cheque fee: Waived

Education / school fee charge

1% fee per transaction on education payments made via third party apps.

Fee on online skill-based gaming spends

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

Reward redemption fee

Yes

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per 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% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

1% fee per transaction on each rental transaction; taxes applicable as notified by Government of India

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST as per existing government norms is levied on all fees, interests and other charges

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

Eligibility

Fixed Deposit backed secured credit card, with minimal documentation and guaranteed approval.

Minimum age

Minors are not eligible for the card.