Axis Bank My Zone Credit Card - Benefits, and best Credit Card offers
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Indialends, 26 Mar 2026

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Axis Bank My Zone Credit Card

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

The Axis Bank My Zone Credit Card is the best option for all those who love spending on shopping and movies. This card has a host of benefits like cashback on booking of movie tickets, free airport lounge access at the airport, and getting discount offers on popular merchants like Paytm, Myntra, Amazon, etc. Read more to know about the features, benefits, fees, eligibility of the card in detail.

Key highlights of Axis Bank My Zone Credit Card

  • Complimentary Annual SonyLiv Premium Subscription of Rs. 999
  • Makes you earn accelerated reward points that you can use for weekend dining and shopping.

Features and benefits of Axis Bank My Zone Credit Card

  • Dining delights offering upto 15% upto Rs.500 off at partner restaurants in India.
  • 4 EDGE REWARDS points per Rs. 200 spent. Not applicable on fuel, movies, insurance, wallet, rent, utilities, education, Government Institutions and EMI transactions.
  • Enjoy special cashback offers, discounts, and rewards on categories like shopping, dining, online transactions, and a lot more.
  • Makes you enjoy up to 4 complimentary visits per year to participating airport lounges within India. One per calendar quarter.
  • Get Upto Rs.1000 off on AJIO on minimum spends of Rs. 2999 on select styles.
  • Buy one get 100% off on second ticket on the total movie booking account. The offer is valid for Paytm Movies. Maximum Discount Rs. 200 per calendar month.
  • You will enjoy a flat Rs.120 off on Swiggy on minimum spends of Rs. 500 applicable twice a month (Max discount upto Rs.240 per month).

Reward Program of Axis Bank My Zone Credit Card

  • For each Rs.200 spent on the card, you are getting 4 to 40 reward points.
  • On weekend spending at dining on partnered restaurants and hotels with Axis Bank, you can earn 10 times more reward points.
  • You get 5 times more reward points on weekend shopping at partner stores.
  • The earned Axis credit card reward points can be redeemed for 500+ rewards and offers listed in Axis eDGE Loyalty Rewards Catalogue.

The eligibility criteria to apply for Axis Bank My Zone Credit Card

  • The minimum age to apply for a credit card is 18 years and the maximum is 70 years
  • The add-on card holder’s minimum age is 15 years.
  • Anyone can apply resident or Non-resident of India.
  • Must be having a good credit score which is 750, or above.

The documents required to apply for Axis Bank My Zone Credit Card

  • Filled credit card application form.
  • PAN Card or Form 60.
  • Identity proof - PAN, driving license, Aadhaar Card, etc.
  • Income proof - latest payslips, Form 16, IT return copy, etc.
  • Residence proof - Passport, Ration Card, electricity bill, Aadhaar, etc.
  • Passport size color photographs of the applicant.

Axis Bank My Zone Credit Card fee and charges

Joining Fee Rs.500 (waived off on spends of Rs.5,000 within 45 days of the card issuance)
Annual Fee Rs.500 on second year onwards
Finance Charges 3.90% per month
Cash withdrawal Fee 2.5% of the transaction amount or Rs.250, whichever is higher
Add-on- card Fee NIL
Late Payment Fee If the statement balance is Up to Rs.100 – NIL Rs.101 to Rs.300 – Rs.100
Rs.301 to Rs.1,000 – Rs.300
Rs.1,001 to Rs.5,000 – Rs.500
Rs.5,001 to Rs.20,000 – Rs.600
Rs.20,001 and above – Rs.700
Overlimit Penalty Fee 3% of the over-limit amount or Rs.500
Foreign Currency Transaction 3.5% of the transaction value

We IndiaLends has 50+ credit cards of the top banks that are offering best-in-class rewards in the form of cashback and discounts.

How to apply for a Credit Card with IndiaLends

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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