एक्सिस माई ज़ोन क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Entertainment card offering B1G1 Paytm Movies tickets up to ₹200/mo, ₹120 off on Swiggy twice a month, and free SonyLIV subscription.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Axis MY Zone Credit Card is an entertainment and lifestyle starter card popular among college graduates and young salaried earners. It features Buy 1 Get 1 free movie tickets on Paytm Movies up to ₹200/month, flat ₹120 off on Swiggy food orders twice a month, a free SonyLIV annual subscription, and RuPay UPI payment support.
Complimentary SonyLIV Premium annual subscription voucher credited upon completing first transaction within 30 days of card issuance.
1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹50,000 in preceding quarter.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).
Buy 1 Get 1 free movie ticket discount on Paytm Movies up to ₹200 per month (coupon code 'AXISMOVIES'). Annual fee reversal on ₹2,00,000 annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹15,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹3,60,000.
न्यूनतम वार्षिक आय आवश्यकता
₹15,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Domestic lounge access requires meeting a ₹50,000 quarterly spend qualification. Base reward rate is low at 0.40% (4 points per ₹200 at ₹0.20/point). High spend waiver requirement of ₹2 Lakhs on an entry card.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit axisbank.com/cards or open Axis Mobile app. Step 2: Enter PAN and mobile number for soft credit check. Step 3: Select Axis MY Zone Credit Card (choose RuPay variant for UPI payments). Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Axis MY Zone Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Axis MY Zone Credit Card into EMI?
Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Axis MY Zone Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Reward Point = ₹0.20 against catalog merchandise or statement balance. Please note: EDGE Reward Points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on Axis MY Zone Credit Card and how does it work?
The interest-free period on Axis MY Zone Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.