Axis Bank My Zone Credit Card 2024

Axis Bank is known for being the 3rd largest private sector bank in India. Its headquarters are based in Mumbai, Maharashtra. Axis Bank offers various financial services for its customers, which include insurance, credit cards, loans of various forms, debit cards, and others.

Axis Bank My Zone credit card is for those individuals who are looking to issue a credit card for the first time. It is an entry-level credit card issued by the bank. With this credit card you can earn welcome benefits and rewards points based on how much you have used your card on various transactions. Get a complimentary SonyLiv subscription with INR 999 with the issue of this card.

You can use this credit card and book movie tickets via Paytm Movies and buy 1 get 1 free. My Zone credit card offers complimentary airport lounge access for its customers along with various discounts on doing online shopping from e-commerce partnered sites.

Axis My Zone Credit Card Details

• Axis My Zone credit card offers the complimentary gift of SonyLiv Subscription, which is INR 999 as a welcome perk for its cardholders.
• Moreover, My Zone credit card allows you to get complimentary airport lounge access within domestic airports every year. You can get four free access to domestic airport lounges in a year.
• With BOHO, you can now book movie tickets via Paytm Movies and earn additional ticket on paying for one ticket.
• The credit card also offers discounts of up to 15% at partner restaurants. Under Dining Delights you can get a flat INR 120 off on making orders through the Swiggy app.
• In terms of rewards, you can earn 4 EDGE Points on spending every INR 200.
• While shopping on the online platform AJIO, you can avail of flat discounts of INR 1000 on minimum spends of INR 2,999.

Advantages and Disadvantages of Axis My Zone Credit Card

Advantages	Disadvantages
Axis My Zone credit card offers complimentary airport lounge access for its customers four times a year.	The credit card does not offer any international airport lounge access facility.
You also get additional tickets for free on paying for one movie ticket through Paytm Movies using this credit card.	You can avail domestic airport lounge access only on spending INR 50,000 in the first quarter.
The credit card is beneficial for food orders as you can avail INR 120 off on ordering food through Swiggy.	You do not receive any reward points on movie ticket bookings and fuel transactions.
Also, get flat discounts of INR 1000 while doing shopping through the online platform AJIO.
Get a SonyLiv subscription with INR 999 as a welcome perk with this credit card.

Axis My Zone Credit Card Reward Offer

• Axis My Zone credit card comes with reward points and no cash-back options.
• Cardholders can earn four EDGE points on spending every INR 200 using the card.
• Each reward point is equal to INR 0.20. This is the monetary value of each reward point.
• You cannot avail of reward points for making transactions on fuel, movie tickets, EMI payments, government-related services, or education payments.

Welcome Benefits of Axis My Zone Credit Card

Axis My Zone credit card comes with a welcome perk of INR 999, which is a free subscription to SonyLiv. This welcome perk will be renewed every year if you successfully spend INR 1.5 lakh using the card. 

You will receive a voucher code with 60 days of payment done for the annual fee. You can avail of the offer once you receive the code and then enjoy the welcome perk each year.

Travel Benefits on Axis My Zone Credit Card

• Axis My Zone credit card comes with complimentary domestic airport lounge access.
• This access is offered four times a year.
• You cannot avail of airport lounge access for international trips through this credit card.
• The domestic airport lounge access is offered when you successfully spent INR 50,000 in the previous quarter.
• You can also get a 1% fuel surcharge waiver on spending INR 400 to 4,000 each month. The maximum waiver is capped at INR 400 each month on fuel transactions

Axis My Zone Credit Card VS Axis Bank Atlas Credit Card

Reward Structure

Credit Card Name	Reward Structure
Axis My Zone Credit Card	This credit card offers only reward points in the form of EDGE points. Each reward point is equal to a monetary value of INR 0.20. You can earn 4 EDGE points on spending INR 200 using the card on various categories.
Axis Bank Atlas Credit Card	This credit card offers five EDGE miles on spending every INR 100 on Axis Bank Travel Edge, food transactions, and hotel bookings.

Reward Rate With Partners

Credit Card Name	Reward Rate With Partners
Axis My Zone Credit Card	This credit card offers amazing discounts of up to INR 1000 on doing online shopping from e-commerce partnered sites like AJIO.
Axis Bank Atlas Credit Card	You will not earn any extra reward points with partnered agencies or brands of Asix Bank.

Joining Fees

Credit Card Name	Joining Fees
Axis My Zone Credit Card	This Axis Bank credit card charges you INR 500 plus GST charges as joining fees.
Axis Bank Atlas Credit Card	Axis Bank Atlas credit card charges INR 5,000, excluding GST charges as joining fees.

Cashback Max Cap

Credit Card Name	Cashback Max Cap
Axis My Zone Credit Card	My Zone credit card from Axis Bank has a maximum capping of INR 400 on fuel transactions for a surcharge waiver.
Axis Bank Atlas Credit Card	There is a maximum capping set for dining with this credit card is INR 800 every month. Also, there is a cap of INR 400 on earning fuel discounts.

Additional Benefits

• Axis My Zone Credit Card: You can get a discount on online shopping through AJIO. The maximum discount to avail of shopping is INR 1000.
• Axis Bank Atlas Credit Card: Axis Bank Atlas credit card comes with airport lounge access along with a 1% fuel surcharge waiver for spending INR 400 to 4,000.

Why Choose the Axis My Zone Credit Card?

• Welcome Benefits: As soon as one subscribes to the Axis Bank My Zone Credit Card, cardholders get a chance to come with a one-year subscription to SonyLiv Premium, which has more entertainment content to offer its viewers. This particular perk is offered and renewed every year of membership on the condition that the cardholder spends a minimum of Rs. 1. 5 lakh within the anniversary year. It is important to note that this subscription renewal comes with a voucher code issued within 60 days after the payment of the annual fee to ensure free access to premium entertainment content.
• Reward Benefits: Through this My Zone Credit Card, customers earn 4 EDGE Points for every single Rs. 200 spent and augment their points with every transaction. These points can be used to get a whole range of items right from cash back to products and this boosts the overall utility of the particular card.
• Fuel Benefits: By allowing a 1% fuel surcharge to be removed for transactions that are between Rs 400 and Rs 4,000 at all the fuel stations in India, it makes this card more convenient when purchasing fuel. This waiver is, however, clearly limited to a maximum of Rupees Four hundred per month, which goes a long way in offsetting fuel costs and makes every trip economically rewarding for the cardholders.
• Travel Benefits: Members of travel enthusiasts are given the privilege where they can visit the airport lounges four times a year, without charge, and the free visit is given once each quarter. They can help cardholders to be comfortable and have easy travel procedures, doing away with the stress of waiting for transport. Further, this benefit applies no matter whether the given trips are related to business or leisure and improves the overall travelling for My Zone Credit Cardholders.
• Milestone Benefits: As milestone benefits, continued usage and expenditure milestones on the My Zone Credit Card ensure the ongoing enjoyment of the SonyLiv Premium subscription. By spending Rs. 1.5 lakh within a year, cardholders not only renew their subscription but also unlock a world of entertainment, enriching their overall cardholder experience.
• EMI Conversion: This is a feature whereby transactions that are above Rs. 2,500 can be easily converted to easy purchase EMIs with the Axis Bank My Zone Credit Card. It is this aspect of the product that offers users the possibility of controlling their spending more conveniently since they are given the ability to break up the cost of a certain item over some time. Be it a single giant electronic purchase, booking of a tour, or any similar purchase, the EMI conversion mode is a boon for the My Zone Credit Cardholders as it gives them more convenience and financial freedom.

Who Can Apply for an Axis My Zone Credit Card?

• Age Requirement: The Axis Bank My Zone Credit Card defines potential segments that would use this credit card to include the population in the age bracket of 18-70 years. This demographic entails a considerable fraction of the economically productive persons ranging right from the youth and productive adults to those in their productive middle age till they retire.
• Minimum Income Requirement: These requirements do not necessitate the declaration of certain incomes, yet a stable income may be proven by an applicant. This serves to ensure that those who are issued with credit cards are capable of affording their credit and hence, will not default.
• Nationality: The My Zone Credit Card can be issued to individuals who are Indian as well as non-resident Indians, also known as NRIs. This is another advantage of the approach because it helps the bank market itself to a broad customer base, irrespective of immigration status.
• Add-On Cardholder Requirement: Co-card membership is allowed, and the add-on cardholders must be above the age of 15 years to accommodate the primary cardholder family members. This reinforces the principle of ‘financial literacy’ across households and puts them, as well as children, on a desirable financial course.

Documentation Required for Axis My Zone Credit Card Approval

These are some of the important documents required for Axis Bank My Zone credit card approval:

• PAN Card Photocopy or Form 60: As a form of identification, the client is often asked to produce a photocopy of the Permanent Account Number (PAN) card. If the applicant doesn’t possess a PAN number, then in that case, he can submit Form 60 along with the application.
• Proof of Residence: This is in line with a requirement where applicants are supposed to present documents showing their residential status. This may require the following as ID proof: an Aadhaar card, passport, electricity bill, water bill, gas bill, or a rental receipt.
• Photographs: The application form also demands recent passport-size photographs of the applicant, which are used for identification of the applicant and also for getting it affixed on the credit card application form.
• Proof of Income: To support their application, candidates are often required to provide proof of income in order to prove that they are financially safe and can repay the money. This could involve pay stubs for paid employees, income tax returns (ITR), financial statements, or business income for earners engaged in business.

Application Process for Axis My Zone Credit Card

To apply for the Axis My Zone credit card, you can choose the following steps:

• Click “Apply Now”: The first step in this process will be to visit Axis Bank’s homepage. You need to pay attention to the large “Apply Now” button, which always appears on the homepage section or on the Credit card.
• Access Application Page: Having followed the link ‘Apply Now’, you will be transferred to the page where the actual credit card application is made. From this page, you will enter all the requisite details for the commencement of your application.
• Complete Application Form: The My Zone Credit Card is accessible through the application form that is used to give the credit card applicant access to the programme. This information should be accurate and up to date to avoid any problems as they maintain your privacy online. Here’s what you can expect to fill out: Here’s what you can expect to fill out:
  • A. Personal Data: Submit your basic personal information, such as your full legal name, date of birth, gender, and any other information that can be verified using official identification documents.
  • B. Contact Information: To create an account, enter a valid email address, mobile number and residential address, which can be reached conveniently. Make sure this information is updated to use in your applications, as well as during the entire communication process.
  • C. Employment Status: State your current employment status as per the current scenario whether you are working or self-employed or a student. Employment details may entail requiring additional information about the employer. This includes the employer’s name, company or organisation, position held and period of employment.
  • D. Income Details: Give your definite income in a year or per month if you are paid monthly. Through this, a bank calculates your ability to pay back loans and grants you a credit limit. Make sure that you provide accurate information about your income: do not lie or fail to disclose some information that might be perceived during the verification process.

• Await Approval: After you have entered your details properly as required by the application form, then you should proceed to submit the form. Some of the details provided while applying for the My Zone Credit Card will be verified by the bank. This may require checking credit histories, income documents, and anything else that is relevant.
• Receive Your Card: If your application is reviewed and accepted by the bank, you should note that My Zone Credit Card will be dispatched to you through the address you provided when applying for the card. It may take some time to deliver the parcel, and the time depends on the country/region of the customer as well as other factors.
• Activate Your Card: To use your My Zone Credit Card, you will need to make some initial steps when you first open your card and get a My Zone Credit Card starter kit. Usually, this is done by dialing a toll-free number or by logging in to the website of the bank using a username and password.

FAQs