Axis Bank
Axis Bank My Zone Credit Card
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You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Axis Bank My Zone Credit Card by Axis Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Annual / renewal fee
₹500.
Verified · Axis Bank My Zone Credit Card product page · 2026-08-14 · source
Fee waiver
Confirm on the official page
Renewal fee
₹500 (Annual Fee, 2nd year onwards).
Verified · Axis Bank My Zone Credit Card — governing document (side-door search) · 2026-08-14 · source
Rewards
Redemption value
Effective 1st Oct 2025, the bank shall forfeit any unredeemed EDGE REWARD Points/Miles 30 days after the customer's credit card closure or if the minimum amount due remains outstanding for more than 90 days.
Verified · cardholder_agreement · 2026-08-14 · source
Reward exclusion
Verified · cardholder_agreement · 2026-08-14 · source
Travel & lounge
Lounge access
Confirm on the official page
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Dining benefit
Renewal of Sony LIV subscription on spends of ₹1,50,000 in a card anniversary year offer will be discontinued from 1st April 2026.
Verified · cardholder_agreement · 2026-08-14 · source
Milestone benefit
Starting 1st April 2026, earn 1,000 EDGE REWARD Points on achieving annual spends of ₹1.5 lakhs in the card anniversary year (spends evaluated 60 days after card anniversary date; spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions excluded).
Verified · cardholder_agreement · 2026-08-14 · source
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5% of the transaction value (Foreign Currency Transaction Fee for all other cards).
Verified · mitc · 2026-08-14 · source
Charge
- Overdue interest on extended credit / interest on cash advances: 3.75% per month (55.55% per annum).
- Cash withdrawal fee: 2.5% (Min. ₹500) of the cash amount.
- Fee for Cash Payment at branches: ₹175.
- Late Payment Fee: Nil if total payment due up to ₹500.
- ₹500 if between ₹501 and ₹5,000.
- ₹750 if between ₹5,001 and ₹10,000.
- ₹1,200 if greater than ₹10,000.
- Recurring Late Payment Fee: Additional ₹100 on missing MAD by due date for two consecutive cycles.
- Over-limit Fee: 2.5% of over-limit amount (min ₹500).
- Cheque return/Dishonour Fee: 2% of payment amount subject to Min. ₹500.
- Dynamic Currency Conversion markup: 1.5% plus taxes (effective 20th Dec 2024).
- Rent Transaction Fee: 1% per transaction.
- Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle (effective 20th Dec 2024).
- Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle (effective 20th Dec 2024).
- Education Transaction Fee: 1% per transaction via third party apps (effective 20th Dec 2024).
- Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle (effective 20th Dec 2024).
- Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle (effective 20th Dec 2024).
Verified · mitc · 2026-08-14 · source
Fuel surcharge waiver
- Fuel Transaction Surcharge: 1% of transaction amount.
- Refund NOT applicable on MY ZONE Credit Card.
Verified · mitc · 2026-08-14 · source
Interest-free period
The interest-free credit period could range from 20 to 50 days, depending on the date of transaction.
Verified · mitc · 2026-08-14 · source
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Axis Bank My Zone Credit Card?
Officially traced: Rs. 500.
Axis Bank My Zone Credit Card product pageWhat is the joining fee on the Axis Bank My Zone Credit Card?
Officially traced: Rs. 500.
Axis Bank My Zone Credit Card product pageWhat are the transfer ratios for Axis Bank My Zone Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card.
Verified · kfs · 2026-08-14 · source
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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