Axis-Bank My Zone Easy Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹500
₹500
3.5%
4 visits/yr
Contents
Axis-Bank My Zone Easy Credit Card is a secured, FD-backed credit card offering excellent cashback, rewards, movie and dining discounts, plus complimentary domestic lounge access. Ideal for first-time credit card users seeking lifestyle benefits with low joining fees and convenient payment options.
Features of Axis-Bank My Zone Easy Credit Card which makes it unique
FD-backed Security
Credit limit backed by fixed deposit
Suitable starter credit card
Safer for first-time credit users
Movie Cashback
Up to 25% cashback on movie tickets
Cost-saving entertainment
Higher cashback than peers
Rewards Structure of Axis-Bank My Zone Easy Credit Card
Movie Tickets
acceleratedOnline & Box office
Dining
acceleratedBase
baseFees & Charges of Axis-Bank My Zone Easy Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹700 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived in the first year
Fee Explanation Standard bank rates apply for overdue amounts.
Detailed Explanation of Axis-Bank My Zone Easy Credit Card Fees
Joining Fee: ₹500 (one-time)
NIL in first year
Annual Fee: ₹500 (yearly)
Waived first year
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500
Late Payment Fee: Up to ₹700 (as applicable)
Based on due amount
Overlimit Fee: 2.5% (as applicable)
Lounge Access Benefits with Axis-Bank My Zone Easy Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Valid for primary cardholder only
Additional Features of Axis-Bank My Zone Easy Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Free add-on cards available
Welcome Bonus with Axis-Bank My Zone Easy Credit Card
Welcome Bonus: Complimentary SonyLiv annual membership
Bonus Conditions: Valid for new customers only
Application Process for Axis-Bank My Zone Easy Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Axis Bank portal
Submit KYC and FD documents
Undergo verification process
Receive credit card within 7 business days
Required Documents for Axis-Bank My Zone Easy Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
FD Proof
secured credit cardAccepted documents:
Axis-Bank My Zone Easy Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis-Bank My Zone Easy Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- FD-backed credit card; customer must maintain minimum fixed deposit of ₹15,000 with Axis Bank.
How Approval Is Decided
- Minimum fixed deposit of ₹15,000 with Axis Bank
- Indian resident
- Credit score above 700
Pros of Axis-Bank My Zone Easy Credit Card
- Low joining and annual fees
- Good cashback on entertainment and dining
- Secured card ideal for building credit
Cons of Axis-Bank My Zone Easy Credit Card
- FD backing required
- Higher forex fees compared to premium cards
- Limited international lounge access
Frequently Asked Questions about Axis-Bank My Zone Easy Credit Card
Is there a joining fee?
Yes, ₹500 joining fee waived in the first year.
What is the annual fee?
Annual fee is ₹500 from second year onwards.
What cashback benefits do I get on this card?
Get 25% cashback on movie tickets and 15% discount on dining.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on transactions between ₹400 and ₹4000.
Can I get complimentary lounge access?
You get 4 complimentary domestic airport lounge visits per year.
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