Axis Bank My Zone Easy Credit Card
Updated 3 Jul 2026Source-linked
The Axis Bank My Zone Easy Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹0 + GST.
Axis Bank My Zone Easy Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForEveryday spends
- Reward TypeEDGE Reward Points (points)
Rewards Rate
- Base rate 0.36%
Welcome Benefits
- Not applicable
AxisentryLifetime freeRewards and Benefits
Rewards Rate
Base 0.36% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
DISCOUNT on partner cinemas
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Contactless payments — Platinum Chip contactless technology; tap-and-pay for transactions up to ₹5,000.
- High cash withdrawal — Cash withdrawals up to 100% of credit limit from day one.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.40% per month (40.8% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by Axis Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- utilities
- jewellery
- cash advance
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement.
Other benefits
- Contactless payments. Platinum Chip contactless technology; tap-and-pay for transactions up to ₹5,000.
- High cash withdrawal. Cash withdrawals up to 100% of credit limit from day one.
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —
Fixed Deposit backed (secured). Minimum FD ₹15,000, maximum ₹25 lakh. Guaranteed approval. Not issued against Tax Saver FDs, Flexi/auto-sweep FDs, or FDs of HUFs/societies/trusts/companies. Minors not eligible.