cards / credit / axis bank / axis-my-zone-credit-card
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§ BENEFITS
1% Cashback on All Spends
Earn 1% cashback on all retail transactions
1% cashback
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
8 visits/year
Buy 1 Get 1 on Movie Tickets
Buy one movie ticket and get one free on BookMyShow
BOGO
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹1,80,000
- Min monthly salary
- ₹15,000
- Age
- 18 – 65
- Min credit score
- 650
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹500
- Annual fee
- Lifetime free
- APR (monthly)
- 3.60% p.m.
- APR (annual)
- 43.20% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† One-time joining fee excluding GST at 18%
† Nil — no annual fee from second year onwards
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹2,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- —
- Permanent disability
- —
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹50,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- MY ZONE Cashback
- Earn rate
- 1% cashback on all spends
- Point value
- ₹1
- Effective cashback
- 1.00%
- Min redemption
- —
- Expiry
- Cashback credited directly to statement, no expiry
§ LOUNGE
- Domestic
- 2 per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Axis Bank and earns no commission on applications.