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Features of Axis Bank My Zone Credit Card
- Buy One Get One Free on Movie Tickets: The card offers a Buy One Get One (BOGO) deal on movie tickets booked through the District app by Zomato, with a maximum discount of ₹200 per month. To avail of this offer, cardholders must apply the coupon code "AXIS200" during booking. This benefit applies to both online and box office purchases, making it ideal for frequent moviegoers. However, no reward points are earned on movie transactions, and the annual cashback is capped at ₹1,000. This feature can save up to ₹2,400 annually for those who maximize it, enhancing the card's appeal for cinema lovers.
- Dining and Food Delivery Discounts: Swiggy Food Delivery Discount: Cardholders can enjoy a flat ₹120 discount on Swiggy food orders of ₹500 or more, applicable twice a month, using the code "AXIS120". This offer translates to a maximum monthly saving of ₹240 and is valid on all restaurant orders except at Haldiram's. This feature is perfect for those who frequently order food online, providing consistent savings on food delivery.
- Shopping and Lifestyle Offers: AJIO Discount: The My Zone Credit Card provides up to ₹1,000 off on AJIO purchases with a minimum spend of ₹2,999 on select styles. This offer is ideal for cardholders who shop for fashion and lifestyle products online, allowing them to save on trendy clothing and accessories. The discount enhances the card's value for those who frequently shop on AJIO, aligning with the preferences of younger cardholders.
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- Travel and Lounge Access: Complimentary Airport Lounge Access: The card offers one complimentary domestic airport lounge access per calendar quarter, subject to a minimum spend of ₹50,000 in the previous three months. The list of accessible lounges varies by card variant (Visa, MasterCard, or RuPay), and cardholders should check the specific lounges available. This feature, though limited compared to premium cards, adds value for occasional travelers seeking a comfortable airport experience.
- Payment Flexibility and Security: Contactless Payments: The My Zone Credit Card supports contactless payments for transactions up to ₹5,000, allowing cardholders to tap and pay without swiping or entering a PIN. This feature, backed by Platinum Chip technology, ensures quick and secure transactions, enhancing convenience for small, everyday purchases.
- Additional Features: RuPay Network Integration: The My Zone Credit Card is available on the RuPay network, in addition to Visa and MasterCard variants. RuPay cards can be linked to UPI applications like PhonePe and Google Pay, enabling seamless digital payments. This feature is particularly useful for tech-savvy users who prefer UPI for quick transactions, adding versatility to the card's usability.
- Fees and Charges Overview: Joining and Annual Fees: The My Zone Credit Card has a joining fee of ₹500, which may be waived for select channels or offered as lifetime-free for limited periods. The annual fee is ₹500 from the second year onwards, though it may also be waived under promotional offers. These low fees make the card accessible to a wide range of users.
- EDGE REWARD Points: Cardholders earn 4 EDGE REWARD points for every ₹200 spent, except on excluded categories like fuel, movie tickets, insurance, rent, utilities, education, government institutions, and EMI transactions. Each EDGE REWARD point is worth ₹0.20, redeemable for over 500 products and services, including electronics, apparel, hotel bookings, and gift vouchers from partners like Myntra, Flipkart, and Amazon. While the reward rate is modest, the flexibility of redemption options makes it a useful feature for regular spenders.
- Fuel Surcharge Waiver: Cardholders benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel stations across India, with a maximum waiver of ₹400 per statement cycle. No reward points are earned on fuel transactions, but this feature provides savings for those who frequently refuel their vehicles, making it a practical perk for daily commuters.
- Convert Purchases to EMIs: For transactions exceeding ₹2,500 (or ₹1,500 in some cases), cardholders can convert purchases into Equated Monthly Installments (EMIs) by contacting the bank. This feature provides financial flexibility, allowing users to manage large expenses over time without straining their budget. The interest rate for EMIs varies, typically ranging from 1.0% to 2% per month, depending on the bank's discretion.
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- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4,000 at fuel stations across India, with a maximum benefit of ₹400 per statement cycle.
- Financial Flexibility and Security: Convert Purchases to EMIs: For transactions exceeding ₹2,500 (or ₹1,500 in some cases), cardholders can convert purchases into Equated Monthly Installments (EMIs) by contacting Axis Bank.
- Additional Perks: Lifetime-Free Offer (Limited-Time): Under certain promotional campaigns, Axis Bank offers the My Zone Credit Card as lifetime-free, waiving the ₹500 joining and annual fees.
- No Annual Fee in First Year: For standard applications, the card has no annual fee in the first year, with a ₹500 fee applicable from the second year onward.
- Add-On Cards: The card supports free add-on cards for family members above 15 years, allowing primary cardholders to extend benefits like discounts and rewards to loved ones.
- Movie Benefits: Buy One Get One Free on movie tickets booked through the District app by Zomato, with a maximum discount of ₹200 per month.
- Swiggy Discounts: Flat ₹120 discount on Swiggy food orders of ₹500 or more, applicable twice a month.
- AJIO Shopping Discounts: Up to ₹1,000 off on AJIO purchases with a minimum spend of ₹2,999 on select styles.
- Contactless Payments: Supports contactless payments for transactions up to ₹5,000, allowing cardholders to tap and pay without swiping or entering a PIN.
- EMV Chip Security: The card is equipped with an EMV-certified chip and PIN technology, offering enhanced security against counterfeiting and skimming fraud.
- RuPay Network Integration: The My Zone Credit Card is available on the RuPay network, in addition to Visa and MasterCard variants. RuPay cards can be linked to UPI applications like PhonePe and Google Pay.
Frequently Asked Questions (FAQs)
What is the Axis Bank My Zone Credit Card?
The My Zone Credit Card is a lifestyle card from Axis Bank offering entertainment, shopping, and dining benefits, particularly focused on urban millennials.
What is the annual fee for the Axis My Zone Credit Card?
The annual fee is ₹500, which is waived off on spending ₹5,000 within the first 45 days.
What are the main benefits of the My Zone Credit Card?
Key benefits include free SonyLiv Premium subscription, complimentary lounge access, discounts on Swiggy, and a Buy 1 Get 1 offer on movie tickets.
Does the card offer lounge access?
Yes, the card offers 1 complimentary domestic airport lounge access per calendar quarter.
Is there a reward points program associated with this card?
Yes, cardholders earn 4 EDGE Reward Points for every ₹200 spent.
How can I redeem EDGE Reward Points?
Points can be redeemed via the Axis Bank EDGE Rewards portal for merchandise, gift vouchers, travel bookings, and more.
Is there a movie offer on this card?
Yes, you get a Buy 1 Get 1 free movie ticket offer once per month via Paytm Movies, up to ₹200.
What is the Swiggy offer available?
Get up to 40% off on Swiggy orders (max ₹120 discount), once per month.
Is the SonyLiv subscription benefit available every year?
No, it's a one-time complimentary 1-year subscription upon card activation.
What is the eligibility criteria for the Axis My Zone Credit Card?
Applicants should be between 18–70 years old, with a stable income and a good credit history.
How can I apply for the Axis Bank My Zone Credit Card?
You can apply online through the Axis Bank website or visit the nearest Axis Bank branch.
What documents are required to apply for the card?
You'll need identity proof (like Aadhaar or PAN), address proof, and income documents (like salary slips or ITR).
Is there a fuel surcharge waiver on this card?
Yes, a 1% fuel surcharge waiver is available on fuel transactions between ₹400 and ₹4,000.
Is there a contactless payment feature on this card?
Yes, the card supports contactless payments for quick and secure transactions.
List of Axis Bank My Zone Credit Card Branches in Andhra Pradesh
- Andhra Pradesh (MYLAVARAM)
- Andhra Pradesh (NAGARI)
- Andhra Pradesh (NAIDUPET)
- Andhra Pradesh (NANDIGAMA)
- Andhra Pradesh (NANDYAL)
- Andhra Pradesh (NARASAPUR)
- Andhra Pradesh (NARASARAOPET)
- Andhra Pradesh (NARSIPATNAM)
- Andhra Pradesh (NELLORE)
- Andhra Pradesh (NIDADAVOLE)
- Andhra Pradesh (NUZVID)
- Andhra Pradesh (ONGOLE)
- Andhra Pradesh (PAIDIPALLY)
- Andhra Pradesh (PALAKOLE)
- Andhra Pradesh (PALAMANER)
- Andhra Pradesh (PALASA)
- Andhra Pradesh (PAMUR)
- Andhra Pradesh (PANDARIPURAM)
- Andhra Pradesh (PARVATHIPURAM)
- Andhra Pradesh (PAYAKARAOPET)