Axis Bank MY ZONE Credit Card (Updated on )
Joining Fee
Rs.500
Annual Fee
Rs.500
Benefits
Instant discounts on movies, food delivery and online shopping, convert purchases to EMI,complimentary access to airport lounge, and much more benefits of MY ZONE Credit Card
More Benefits
Earn EDGE Rewards,Enjoy comlimentary lounge access,Shopping discounts at AJIO
Fees and Charges
The fees and charges for My Zone Credit Card are applicable to all card holders. The My Zone Credit Card fees include cash payment fee, joining fee and an annual fee.
Offers
Instant discount on swiggy, High security with EMV Chip & Pin
Option: 1
1.If you are ready to apply immediately you Can click Apply Instantly Axis Bank MY ZONE Credit Card button placed here.
2.Still in case if you need more details, you can follow other 3 steps based on your convince you can select the options.
Option: 2
fill the forms mentioned the same Page submit the form our Expert will call you Shorty.
Option: 3
. You can reach through WhatsApp with this no +91 87 22 88 66 33 give a request our team will text you shortly.
Option: 4
you can visit Axisbank.com website directly.
Step: 1
Enter Your Mobile number.
Step: 2
Enter Date of Birth or PAN Number.
Step: 3
Fill Online Application with below details.
1.line Application with below details. You'll need to provide personal information such as your name (AS PER PAN), date of birth, address, contact details, Email, employment details, income details, etc.
2.If you are existing Axis Bank customer your details it will automatically details, get fetched. Otherwise fill it manually.
Step: 4
After filling form you can select the card type.
Step: 5
After entering all details it will check Credit Score Online it will Show Immediately Card is Approved or Not.
Step: 6
It will take you to upload Income Documents.
Step: 7
Next step is Aadhar Authentication process need to Enter Aadhar no and Verification code.
Step: 8
Select Card Delivery Address of your Axis bank Axis Bank MY ZONE Credit Card.
Step: 9
If you are an Existing Customer need to verify debit card or Net banking Details .
(In case if you are an non Axis Bank Customer you will get Application no and VKYC (Video KYC ) Need to be completed)
Step: 10
Once you've submitted the application and documents, Axis Bank will review your application. This may take a few days.
Step: 11
Verification: Axis Bank may conduct further verification checks such as checking your credit score, contacting you for additional information, etc.
Step: 12
Approval: If your application is approved, you will receive confirmation from Axis Bank along with details of your new credit card, including the credit limit.
Step: 13
Your new Axis Bank credit card will be sent to your registered address via mail/courier.
Step: 14
Activate the Card: Upon receiving the credit card, you'll need to activate it before you can start using it. Activation methods vary but usually involve calling a toll-free number or activating it online through the bank's website or mobile app.
Physical process Eliminated Completely from Axis Bank MY ZONE Credit Card process its completely digital process.
Aadhar card authentication.
Recent 1 Month pay slip soft copy needs to uploaded.
Internet Banking permission authentication or debit card authentication to validate Salary Account.
VKYC (video verification)
Original PAN card required to show in VKYC process.
Pen and Paper keep it ready during VKYC Process needs to be sign as per PAN card.
The fees and charges for My Zone Credit Card are applicable to all cardholders. The My Zone Credit Card fees include a cash payment fee, joining fee, and an annual fee.
| MY ZONE CREDIT CARD | CHARGES |
|---|---|
| Joining Fee | Rs. 500 |
| Annual Fee | 1st Year: Nil 2nd Year onwards: Rs. 500 |
| Add-on Card Joining Fee | Nil |
| Add-on Card Annual Fee | Nil |
| Card Replacement Fee | Nil |
| Min CIBIL Norms | 700 Above As per TransUnion Score |
| Cash Payment Fee | Rs. 100/- |
| Duplicate Statement Fee | Waived |
| Charge Slip Retrieval Fee or Copy Request Fee | Waived |
| Outstation Cheque Fee | Waived |
| Mobile Alerts for Transactions | Free |
| Hotlisting Charges | Nil |
| Balance Enquiry Charges | Waived |
| Finance Charges (Retail Purchases & Cash) | 3.6% per month (52.86% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. Rs. 500) of the cash amount |
| Overdue Penalty or Late Payment Fee |
Nil if Total Payment Due is less than Rs. 500 Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000 Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000 Rs. 1200 if total payment due is greater than Rs.10,000 |
| Over Limit Penalty | 2.5% of the overlimit amount (Min. Rs 500) |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500 |
| Surcharge on Purchase or Cancellation of Railway Tickets | As prescribed by IRCTC / Indian Railways |
| Fuel Transaction Surcharge Transaction | 1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Reward Point Redemption fee | Yes |
| GST | As per existing Government norms |
| Rent Transaction fee | 1% of transaction amount (Max Rs.1,500). GST as per existing Government norms. Rent transactions are identified through Merchant Category Code 6513. |
| Dynamic Currency Conversion MarkUp | 1% of transaction amount. International transactions performed in Indian currency at International locations or transactions performed in Indian currency with merchants located in Indian but registered in foreign nations are eligible for the charges. |