Axis Bank My Zone Credit Card Review: Features and Benefits
Axis Bank My Zone Credit Card is perfect for newcomers looking for value in shopping, dining, and entertainment. This card offers a variety of perks at a low annual fee.
Key Features
The Axis Bank My Zone Credit Card is packed with benefits designed to enhance your lifestyle. From discounts on popular websites to complimentary subscriptions, this card offers it all.
Shopping Benefits
You can save a significant amount while shopping online. Here are some exclusive benefits:
| Merchant | Discount | Minimum Spend | Coupon Code |
|---|---|---|---|
| AJIO | Up to Rs. 1,000 off | Rs. 2,999 | AJIOAXISMZ |
| Swiggy | Flat Rs. 120 off (2x per month) | Rs. 500 | AXIS120 |
Entertainment Perks
With this card, entertainment is more affordable than ever:
- Buy One Get One Free: 100% off on the second movie ticket at Paytm Movies using coupon code AXIS200.
- SonyLIV Subscription: Enjoy a complimentary 1-year subscription to SonyLIV, renewable on annual spends of Rs. 1.5 Lakh.
Rewards Program
The card offers a modest rewards structure where you earn EDGE reward points on various purchases. However, note that certain transactions like fuel, utility, and EMI do not qualify for reward points.
OTHER FEATURES of THE CARD
- 4 Complimentary Lounge access on select domestic airports (1 per quarter)
- 4 EDGE REWARDS points per Rs 200 spent (Not Applicable on fuel, movie, Insurance, Wallet, Rent, Utilities, Education, Government Institutions and EMI transactions)
- Dining delights offering Upto 15% Off at partner restaurants in India (Max Discount Rs 500)
- 1% Fuel Surcharge waiver at all petrol pumps across the country for spends between Rs 400 to Rs 4000
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 500 or Nil* |
| Annual Fee | Rs. 500 or Nil* |
| Finance Charges | 3.6% p.m. (52.86% p.a.) |
| Late Payment Fee | Rs. 500 to Rs. 1,200 |
* Lifetime free offer may be available through certain channels.
Eligibility Criteria
To apply for this card, you must meet the following criteria:
- Age: 18 to 70 years
- Occupation: Salaried or Self-employed
Conclusion
The Axis Bank My Zone Credit Card is ideal for those who want to maximize benefits on a low annual fee. It shines in lifestyle categories but lacks comprehensive reward benefits. Choose this card if your spending aligns with the co-branded partners like Swiggy, AJIO, and Paytm Movies.
