Axis Bank My Zone Credit Card
Axis Bank
Axis Bank My Zone Credit Card
Axis Bank
Annual Fee
₹500
Effective Rate
0.20%
Network
VISA
Point Value
₹0.20/pt
About Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is a entry-tier reward points credit card issued by Axis Bank on the VISA network. It carries an annual fee of ₹500. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleEntertainment Offers
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.20 — an effective return of 0.20% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹200 |
| All other spends | 10% | 1000 pts≈ ₹200 |
| All other spends | 2% | 200 pts≈ ₹40 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Axis Bank rewards portal. Redemption value may vary by option.
Card Benefits
Entertainment Offers
Discount on movie tickets via BookMyShow and Paytm Movies
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Lost Card Protection
Zero liability on lost card fraud
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,50,000 (ANNUAL)
Milestone – 1,000 EDGE Points at ₹1.5L: Earn 1,000 bonus EDGE Reward Points on achieving annual spends of ₹1,50,000 in a card anniversary year. Points credited within 90 days of milestone.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | ₹500 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Axis Bank My Zone Credit Card.
Ready to apply for Axis Bank My Zone Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.