Axis Bank My Zone Easy Credit Card

The Axis Bank My Zone Easy Credit Card is specifically designed for individuals who are new to credit or looking to rebuild their credit history. As a secured credit card backed by a fixed deposit, it offers guaranteed approval regardless of your credit score, making it an excellent entry point into the world of credit cards. This card is particularly suitable for students, first-time credit users, individuals with limited credit history, or those recovering from past credit challenges. 

Whilst it may not offer the extensive rewards and premium benefits of unsecured cards, the My Zone Easy Credit Card provides fundamental credit card privileges including rewards points, movie cashback, dining discounts, and fuel savings – all whilst helping you build a positive credit history for future financial opportunities. 

Overview 

Guaranteed Approval: The standout feature of this card is its guaranteed approval process. As long as you have a fixed deposit of ₹15,000 or more with Axis Bank, your credit card application will be approved regardless of your credit score or credit history. This makes it an invaluable tool for credit building. 

Fixed Deposit Security: The card is issued against your fixed deposit, which serves as collateral. Your FD amount can range from ₹15,000 to ₹25 lakh, and you'll receive a credit limit of up to 90% of your FD value. Importantly, your fixed deposit continues to earn interest at the prevailing FD rates whilst simultaneously backing your credit card. 

Credit Building Opportunity: Every transaction and timely payment made with this card gets reported to credit bureaus, helping you establish or rebuild your credit score. Responsible usage can significantly improve your creditworthiness, opening doors to unsecured credit cards and other financial products in the future. 

Basic Rewards Programme: Earn 4 EDGE REWARD points for every ₹200 spent on domestic transactions. Whilst the reward rate of 0.4% (since 1 EDGE point = ₹0.20) is modest compared to premium cards, it still provides value on everyday spending whilst you focus on building credit. 

Entertainment Benefits: Save 25% on movie tickets purchased online or at box offices at registered merchants (MCC 7832 or MCC 7922). The cashback is capped at ₹1,000 per calendar year, allowing for regular cinema visits throughout the year. Note that no reward points are earned on movie transactions that receive cashback. 

Contactless Convenience: The card features Platinum Chip contactless technology, allowing you to tap and pay for transactions up to ₹5,000 without entering your PIN or swiping the card. This provides faster checkout experiences and enhanced security against card skimming and counterfeiting. 

Interest-Free Period: Enjoy up to 50 days of interest-free credit on purchases, provided you've settled your previous bill in full by the payment due date. This grace period doesn't apply to cash withdrawals, which attract immediate interest charges. 

High Cash Withdrawal Limit: Unlike most credit cards that restrict cash advances to 30-40% of the credit limit, the My Zone Easy Card allows you to withdraw cash up to 100% of your credit limit from day one. Whilst cash withdrawals carry fees and interest charges, this feature provides significant financial flexibility during emergencies. 

EMI Conversion: Any purchase above ₹2,500 can be converted into easy monthly instalments by contacting Axis Bank. This helps manage larger expenses whilst spreading payments over manageable tenures. 

Dining Delights: Access the Axis Bank Dining Delights Programme offering a minimum 15% discount at partner restaurants across India. This adds everyday value to your dining experiences. 

Wednesday Offers: Beat the mid-week blues with exciting offers every Wednesday on select platforms, adding extra savings to your regular spending. 

Fuel Surcharge Waiver: Save 1% on fuel transactions between ₹400-₹4,000, with maximum benefits of ₹400 per statement cycle. The GST charged on fuel surcharge is non-refundable. 

No Frills Approach: This card intentionally maintains a simplified structure without complex tier systems, milestone requirements, or category tracking. The focus remains squarely on providing basic credit card functionality whilst helping you build credit history. 

FD Restrictions: The card cannot be issued against Tax Saver FDs, Flexi-Deposits, or Fixed Deposits in the name of HUF/Society/Trust/Companies. The FD must be in an individual's name at an Axis Bank branch. 

The Axis Bank My Zone Easy Credit Card serves as an excellent stepping stone in your credit journey. Use it responsibly, make timely payments, and maintain low credit utilisation to build a strong credit profile that will qualify you for premium unsecured cards in the future. 

Rewards and Benefits 

Earning EDGE REWARD Points 

4 EDGE REWARD Points per ₹200 on Domestic Spends 

Earn 4 EDGE REWARD points for every ₹200 spent on domestic transactions using your Axis Bank My Zone Easy Credit Card. 

• Reward rate: 0.4% return (since 1 EDGE point = ₹0.20) 

• Applicable on all domestic retail purchases 

• Points credited automatically after transaction posting 

• Minimum spend of ₹200 required per transaction to earn points 

Excluded Categories for Reward Points 

No EDGE REWARD points are earned on the following transaction types: 

• Fuel transactions 

• Movie ticket purchases (when availing 25% cashback) 

• Cash advances 

• EMI conversions 

• Card fees and charges 

Redeeming EDGE REWARD Points 

EDGE REWARDS Catalogue 

Redeem your accumulated EDGE REWARD points through the comprehensive Axis Bank EDGE REWARDS catalogue: 

• Products and gadgets 

• Gift vouchers (shopping, dining, travel) 

• Flight and hotel bookings 

• Bill payments 

• Statement balance credit 

Redemption Value: 1 EDGE REWARD point = ₹0.20 

How to Redeem: 

1. Log in to Axis Bank Internet Banking or Mobile App 

2. Navigate to the 'EDGE REWARDS' section 

3. Browse available redemption options 

4. Select your preferred product, voucher, or service 

5. Confirm redemption with OTP verification 

6. Vouchers/details shared via SMS/email 

No Redemption Fee: Unlike some Axis cards, there's typically no fee charged for redeeming your EDGE points, maximising the value of your rewards. 

Points Validity: EDGE REWARD points are generally valid for 2-3 years from the date of credit. Check your specific card's terms for exact validity period. 

Movie Ticket Cashback 

25% Cashback on Movie Tickets 

Save substantially on your cinema outings with 25% cashback on movie ticket purchases: 

Offer Details: 

• Applicable on both online and box office movie ticket purchases 

• Valid at registered merchants (MCC codes 7832 or 7922) 

• Cashback percentage: 25% of ticket value 

• Annual cashback cap: ₹1,000 per calendar year 

• No minimum transaction requirement 

• Valid throughout the week (not restricted to specific days) 

Important Notes: 

• No reward points are earned on movie transactions that receive cashback 

• Only eligible when purchasing tickets at registered cinema merchant codes 

• Cashback typically credited to your card account within 90 days 

• Calendar year resets on 1st January each year 

This benefit allows for approximately ₹4,000 worth of movie tickets annually (25% of ₹4,000 = ₹1,000 cashback), perfect for regular cinema enthusiasts. 

Dining Benefits 

Axis Bank Dining Delights Programme 

Savour exceptional dining experiences at top restaurants across India: 

Key Features: 

• Minimum 15% discount at partner restaurants 

• Access to curated dining establishments nationwide 

• Advance table reservations at select restaurants 

• Special dining experiences and events 

• No cap on number of uses 

How to Avail: 

1. Check the list of partner restaurants on Axis Bank website or app 

2. Make a reservation or visit the restaurant 

3. Present your Axis Bank My Zone Easy Credit Card before billing 

4. Discount applied automatically on the final bill 

Coverage: The Dining Delights programme includes restaurants across major Indian cities, covering various cuisines and dining styles from casual to fine dining. 

Fuel Benefits 

Fuel Surcharge Waiver 

Save 1% on fuel surcharge for transactions at all fuel stations across India: 

Waiver Details: 

• Fuel surcharge refund: 1% of transaction value 

• Valid transaction range: ₹400 to ₹4,000 

• Maximum benefit: ₹400 per statement cycle 

• Applicable at all fuel stations accepting credit cards 

• GST charged on fuel surcharge is non-refundable 

Important Notes: 

• No EDGE REWARD points earned on fuel transactions 

• Fuel surcharge varies by station and may be levied as ₹10 + GST instead of 1% + GST at certain outlets 

• Waiver credited automatically to your card account 

• Not levied by card-issuing bank on certain fuel transactions 

Strategic Tip: For maximum benefit, plan fuel purchases between ₹400-₹4,000 per transaction. Multiple smaller transactions throughout the month can help you extract more value from the ₹400 monthly cap. 

Wednesday Offers 

Mid-Week Savings Programme 

Enjoy exciting offers every Wednesday on select platforms to beat the mid-week blues. 

Typical Wednesday Benefits: 

• Discounts on travel bookings 

• Food delivery savings 

• Shopping deals 

• Entertainment offers 

Note: Specific Wednesday offers are subject to change and vary month to month. Check the Axis Bank website or app for current active Wednesday offers and their terms and conditions. 

Contactless Payment Technology 

Platinum Chip Contactless Feature 

Experience the convenience and security of contactless payments: 

Key Features: 

• Tap-and-pay for transactions up to ₹5,000 

• No PIN entry required for eligible transactions 

• No need to swipe or insert card 

• Faster checkout experience 

• Reduces card handling, minimising skimming and fraud risks 

How to Use: 

1. Look for the contactless payment symbol at merchant terminals 

2. Hold your card within 4-5 cm of the card reader 

3. Wait for the confirmation beep or light 

4. Transaction complete – no signature or PIN needed (for transactions under ₹5,000) 

Security Features: 

• EMV chip certification 

• Clear authentication of credit payments 

• Easy fraud detection 

• Card never leaves your hand during transactions 

• Chip and PIN protection for all transactions above ₹5,000 

Cash Withdrawal Facility 

100% Credit Limit Cash Access 

Unique to this secured card, withdraw cash up to your entire credit limit from day one: 

Key Features: 

• Cash withdrawal limit: Up to 100% of credit limit 

• Available from ATMs nationwide 

• No waiting period – available from card activation 

• Provides emergency liquidity when needed 

Charges: 

• Cash advance fee: 2.5% of withdrawal amount (minimum ₹500) 

• Interest rate: 3.4% per month (49.36% annually) 

• Interest charged from transaction date with no grace period 

• No EDGE REWARD points earned on cash advances 

Important Consideration: Whilst the high cash withdrawal limit provides financial flexibility, cash advances should be used sparingly due to immediate interest charges and fees. Use only in genuine emergencies and repay quickly to minimise interest costs. 

Interest-Free Credit Period 

Up to 50 Days Interest-Free 

Enjoy free credit on purchases for up to 50 days: 

How It Works: 

• Interest-free period ranges from 20 to 50 days 

• Exact number depends on transaction date relative to billing cycle 

• Only applicable when previous bill was settled in full 

• Not applicable on cash transactions/advances 

Example: If your statement date is the 20th of each month with a due date of the 9th of the following month: 

• Purchase on 20th gets 50 days interest-free 

• Purchase on 19th gets approximately 20 days interest-free 

Maximise the Benefit: Make large purchases immediately after your statement date to enjoy the longest possible interest-free period. 

EMI Conversion Facility 

Convert Large Purchases to EMI 

Manage significant expenses by converting them into easy monthly instalments: 

Key Features: 

• Applicable on transactions above ₹2,500 

• Contact Axis Bank to initiate EMI conversion 

• Choose tenure that suits your budget 

• Interest rates and processing fees apply as per bank's EMI scheme 

Benefits: 

• Spread large purchases over manageable months 

• Better cash flow management 

• No negative impact on credit score if payments made on time 

How to Convert: 

1. Make a purchase of ₹2,500 or more 

2. Call Axis Bank customer care at 1860-500-5555 

3. Request EMI conversion for the transaction 

4. Select your preferred tenure 

5. Bank will process and apply EMI to your account 

Security Features 

Comprehensive Protection 

Your Axis Bank My Zone Easy Credit Card comes equipped with multiple security layers: 

Chip and PIN Technology: 

• EMV-certified chip card 

• PIN protection for all transactions above ₹5,000 

• Significantly reduces counterfeit and skimming fraud 

Zero Liability Protection: 

• Protection against unauthorised transactions after card loss/theft 

• Report card loss immediately to minimise liability 

• Temporary card blocking available through mobile app 

Transaction Alerts: 

• Real-time SMS alerts for all transactions 

• Email notifications for statements and activities 

• Immediate awareness of any unauthorised activity 

Secure Authentication: 

• OTP verification for online transactions 

• 3D Secure technology for e-commerce purchases 

• Card CVV for additional verification layer 

Disclaimer 

The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.