Axis Bank My Zone Credit Card
Axis Bank My Zone Credit Card is an entry level credit card which comes with multiple benefits. It is one of the best entry level credit card comes lifetime free through certain select channels. This card comes with with great offers on entertainment, dining, complimentary airport lounge acess and much more. It is one of the few credit card that offer Sony live an OTT subscription as welcome benefits. You can also avail discount on popular website Ajio, swiggy. Read below the detailed review of Axis My Zone credit card.
JOINING FEE
Rs.500+GST
RENEWAL FEE
Rs.500+GST
BENEFITS
1 Domestic Airport Lounge per calendar quarter.
REWARDS &CASHBACK
BOGO offer on movie ticket via District App & Sony liv premium subscription worth Rs.999
Features & Benefits
Welcome Benefits
- Cardholder will get Sony Liv premium annual membership as a welcome benefit on making first transaction within 30 days of card issuance.
Rewards
- You can earn 4 Edge points on every Rs.200 transaction done on all eligible categories.
- No Edge reward points on Fuel, Education, Rent, wallet, Jewellery, Government payment, Insurance & Utility Bill.
Airport Lounge
- Get 1 complimentary domestic airport lounge access in each quarter on spending Rs.50000 in previous three months.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.4000. Maximum waiver is Rs.400 per month.
Dining Benefits
- You can get upto 15% off at partner resturant.
Partner Benefits
- Very few entry level credit card offer these much amount of benefits. You get discount on Ajio, swiggy and also movie offer via district app.
| Partners Brand | Max Discount/Min Order | Max Usage |
|---|---|---|
|
Swiggy |
₹ 120/500 |
Twice a month |
|
District App |
₹ 200/- |
Once a month |
|
AJIO |
₹ 1000/2999 |
No cap |
Milestone Benefits
- Sony Liv premium subscription will be renewed on spend of Rs 1.5 lakh in previous year. The voucher code will be sent to your registered mobile number after completing the anniversary year & payment of annual fee within 60 days.
Fees & Charges
Reward Redemption Fee
- There is no Reward redemption fee. The earned reward can be redeemed for different voucher on axis bank edge reward portal. 1edge point= ₹0.2
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Final Thoughts
Axis bank My Zone credit card is one of the best entry level credit card offered by Axis bank. If you are food lover, going for movies, shopping clothes online then you should definitely go for this card. Let’s take an example suppose you spend Rs.500 on swiggy twice a month and Rs.500 on movies via district app the yor total expenditure will Rs.1500 and your saving will be Rs.440 that is Rs.240 on swiggy and Rs.200 on movies so effective expenditure will be Rs.1060. Apart from this if you are ocassional traveller you can also enjoy complimentary lounge access. If you want to start your credit card journey you can start from Axis My Zone credit card.
- Frequently Asked Questions
Is Sony Liv premium membership will be renewed automatically every year?
The Sony Liv premium membership fee will be renewed every year upon achieving milestone spend of ₹1.5 lakh in anniversary year.
Is Axis My Zone credit card is lifetime free?
It is free on certain select channel or Axis bank website.