The Axis Bank MY ZONE Credit Card is a good beginner card, which offers discounts on a variety of preferred partners- Ajio, Swiggy, Paytm Movies, EazyDiner. The card also offers lifestyle benefits like complimentary domestic airport lounge access and complimentary SonyLiv subscription.
However the reward rates on card spending are low, and the discount amounts offered at select partners are relatively small.
Best for those who like shopping and spending at select partners of this card – Ajio, Swiggy, Paytm Movies, EazyDiner. The discount amounts are relatively small and some partnerships have certain restrictions like minimum order size and how many times you can avail the discount.
The card also offers lifestyle benefits like complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription – which is not very common at entry level cards. However the reward rates on card spending are low.
Hence this card is suitable for beginners and low spenders.
You get a ₹120 discount per order. You can avail this discount 2 times a month. Minimum order requirement is ₹500.
Hence you get 24% discount on an order of ₹500. On orders above ₹500, discount percentage will fall below 24%. For example, on an order of ₹1000, you will get a discount of ₹120, and your discount percentage would be 12%.
You need to use coupon code AXIS120, to claim the offer. This offer is not applicable at Haldiram’s restaurants.
You get 2nd movie ticket free, maximum discount allowed on the 2nd ticket is ₹200 per month.
You need to use coupon code AXIS200 , to claim the offer. No reward points are earned on movie transactions.
You get upto ₹1000 discount at Ajio, on a minimum order amount of ₹2999. The final discount applicable will depend on the products added to the cart.
Discount is only applicable on a selected list of products. To see selected list of products, please click here.
You need to use coupon code AJIOAXISMZ , to claim the offer. For more details, please click here .
You get get free visits to airport lounges in India – once per quarter. For list of lounges and other details, Visa cardholders please click here, and Mastercard cardholders please click here.
To access complimentary lounge from 1st May 2024 onwards, you need to have spent a minimum of ₹50,000 on your credit card in the previous 3 months.
In case of a newly issued card, the minimum spend criteria is waived for the month of card issuance as well as for the following three months. For example, if card issuance date is 20th March 2024, you will be able to access lounge for the period 20th March to 30th June 2024, without any minimum spend requirement. But if you want to avail lounge access after this period (in this case July 2024), then you will be able to do so only by spending ₹50,000 from 1st April to 30th June 2024 (preceding 3 months).
This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500.
Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.
This offer can be redeemed once every month.
You earn 4 EDGE reward points worth ₹0.80, on every ₹200 you spend on all card purchases (meaning 2 EDGE reward points worth ₹0.40, on every ₹100 spent – 0.40% benefit).
Exceptions : No rewards are given on the following spends – movies, fuel, insurance, jewelry, EMI transactions, wallet-loading transactions, utility payments, payment to government institutions, payment to educational institutions.
1 EDGE reward point = ₹0.20 or 20 paise. You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking. Click here for more details.
Reward points are valid for 3 years.
You get 1% fuel surcharge waiver –
– only on fuel transactions between ₹400 and ₹4000, and
– only on fuel purchases of upto ₹40000 per month (since the maximum waiver amount is fixed at ₹400 per monthly card statement cycle).
You need to meet both the above conditions to get fuel surcharge waiver. GST charged on fuel purchases is not refundable.
Please click here for all the options to contact the bank for various issues and escalations.
| 1st year joining fee | ₹500 (Lifetime free limited period offer) | Welcome offer : You get a complimentary one-year SonyLiv subscription worth ₹999, as a welcome offer. It is given when you do your first card purchases, within 30 days of card issuance date. |
| Renewal fee from 2nd year onwards | ₹500 (Lifetime free limited period offer) | Renewal fee offer : Your complimentary SonyLiv subscription worth ₹999 is renewed, if you spend ₹1.50 lakhs or more in the previous year. |
Late payment fees depends on the total payment due. This fee is charged if you do not pay even the minimum amount due on your credit card bill.
| Total bill amount due | Late payment charges |
|---|---|
| Less than ₹500 | None |
| Between ₹501 – ₹5000 | ₹500 |
| Between ₹5,001 – ₹10,000 | ₹750 |
| More than ₹10,001 | ₹1200 |
Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.
Finance charges : 3.60% per month
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Axis Bank MY ZONE Credit Card Fees & Charges
| Minimum age | Primary cardholder – 18 years Add-on cardholder – 15 years |
| Maximum age | 70 years |
| Minimum income requirements | Not specified |
| Credit score | Not specified , preferably above 750 |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form. Steps : – The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy – To apply, simply provide your personal details such as your mobile phone number, income, PAN number, along with the required documents – Review your application and click submit. – Await confirmation from Axis Bank regarding the status of your application. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Tracking application status | Please click here to track the status of your Axis Bank Credit Card application. |
| Required documents | – PAN card photocopy or Form 60 – Colour photograph – Income proof : Latest payslip/Form 16/IT return copy – Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill – Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card Please note that this list is only indicative. Documents required may vary on a case-to-case basis. |
In conclusion, the Axis Bank MY ZONE Credit Card is a good beginner shopping card. It offers discounts on a variety of preferred partners- Ajio, Swiggy, Paytm Movies, EazyDiner. The card also offers lifestyle benefits like complimentary domestic airport lounge access and complimentary SonyLiv subscription.
However the reward rates on card spending are low, and the discount amounts offered at select partners are relatively small, so it is a suitable card for beginners and low spenders.
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