Axis Bank MY Zone Easy Credit Card

The features and benefits of the card are:

Secured Credit Card Benefits: Cardholders will earn interest on the fixed deposit amount. Axis Bank’s Fixed Deposit interest rate will be applicable on the deposited amount.

Movie Offers: 25% cashback on online and box office movie ticket purchases. The maximum discount offered is of up to Rs. 1,000 in a calendar year.

Fuel Surcharge Waiver: Cardholders get to enjoy 1% fuel surcharge waiver. This offer is extended to the user as long as they spend between Rs. 400 and Rs. 4,000. Maximum benefit of Rs. 400 can be availed per statement cycle.

Rewards Program: Cardholders earn 4 EDGE REWARD points per Rs. 200 spent domestically. The accumulated points can be redeemed against items present in the Axis EDGE REWARDS catalogue.

Dining Offer: Cardholders get at least 15% discount at Axis Bank’s partner restaurants.

EMI Conversion: Convert transactions over Rs 2,500 into EMIs.

Cash Withdrawal Limit: Cash withdrawal limit is equal to the credit limit. So customers can withdraw up to the credit limit from day one.

Interest Free Period: No extra charge on purchase transactions for up to 50 days.

Guaranteed Approval: As this card is given against a fixed deposit. Therefore, customers who can deposit the minimum required amount, Rs. 20,000, can get this card. Bank’s other terms and conditions should also be met.

Axis Bank MY Zone Easy Credit Card
Good For: People who don’t have a credit score People who want to be able to withdraw 100% of their credit limit Customers looking for movie offers	Bad For: People who prefer cash back People who want lounge access Customers that want an unsecured credit card

Category	Charges
Joining Fee	Rs. 500
Annual Fee	Rs. 500
Finance Charges	3.40% per month (49.36% p.a.)
Late Payment Charges	For Outstanding Amount- Less than Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200

Click here to check other associated fees and charges.

Eligibility Criteria

The eligibility criteria for MY Zone Easy Credit Card are:

• Customers must open a fixed deposit account with an amount between Rs. 20,000 and Rs. 25 lakh
• Applicant must not be a minor

Do note that Axis Bank MY Zone Easy Credit Card is not issued against the following Fixed Deposits:

1. Tax Saver Fixed Deposits
2. Flexi – Deposits (Auto-sweep Fixed Deposits)
3. Fixed Deposits in the name of (Hindu United Family) HUF/Society/Trust/Companies

Documents Required

The documents required for Axis Bank MY Zone Easy Credit Card are:

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving License, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defense ID Card, etc. (any 1)
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc. (any 1)
Income Proof	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc. (any 1)

Customers can apply for Axis Bank MY Zone Easy Credit Card by going to official Axis Bank website. Once there they can choose Axis Bank MY Zone Easy Credit Card from list of credit cards and apply for the same. Alternatively, customers can visit the nearest Axis Bank branch to apply for this card.

Customers will have to open a fixed deposit account with the amount between Rs. 20,000 and Rs. 25 lakh. They will also have to submit self-attested photocopies of documents establishing their address proof, identity proof and PAN details. These can be submitted at the bank when visiting the branch. However, if customer applied for the card online then a representative from the bank will collect the same from the location, date and time you specify.

How can I activate my Axis Bank My Zone credit card?
Axis Bank credit cardholders can activate their credit card via Internet Banking, Interactive Voice Response (IVR) or ATM visit.

Who can apply for Axis Bank My Zone credit card?
Indian citizens who are 18 years of age or older can apply for Axis Bank My Zone credit card. They will also have to open a fixed deposit account with the amount between Rs. 20,000 and Rs. 25 lakh.

What is the foreign currency transaction charge on Axis Bank My Zone credit card?
The charge is 3.5% of the transaction amount.

What is the cash withdrawal fees for Axis Bank My Zone credit card?
The cash withdrawal fee for Axis Bank MY Zone credit card is 2.5% (minimum Rs. 500) of the cash amount.

Please Note: Axis Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.