Build your credit journey with guaranteed approval backed by your FD
25% cashback on movie tickets (up to ₹1,000/year)
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| Benefit | Details |
|---|---|
| Secured Credit Card | Issued against a fixed deposit with guaranteed approval, making it perfect for those starting their credit journey or rebuilding credit scores |
| Flexible FD Requirements | Requires a minimum fixed deposit of ₹15,000 with a maximum of ₹25 lakh. Credit limit offered is up to 90% of your FD amount |
| Movie Ticket Savings | Earn 25% cashback on online and box office movie ticket purchases at registered merchants, with annual cashback capped at ₹1,000 |
| EDGE Reward Points | Earn 4 EDGE REWARD points for every ₹200 spent on domestic transactions, redeemable through the comprehensive EDGE REWARDS catalogue |
| Dining Privileges | Enjoy a minimum 15% discount on dining at partner restaurants across India through the Axis Bank Dining Delights Programme |
| Fuel Savings | Save 1% on fuel surcharge for transactions between ₹400-₹4,000, with maximum benefits up to ₹400 per statement cycle |
| Contactless Technology | Equipped with Platinum Chip contactless technology for secure, tap-and-pay transactions up to ₹5,000 without PIN |
| High Cash Access | Withdraw cash up to 100% of your credit limit from day one, providing emergency liquidity when needed |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Secured Credit Card / Credit Builder |
| Type of Card | Fixed Deposit-Backed Credit Card |
| Free or Paid | ₹500 + GST Annually (No waiver available) |
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.
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.
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
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:
Log in to Axis Bank Internet Banking or Mobile App
Navigate to the 'EDGE REWARDS' section
Browse available redemption options
Select your preferred product, voucher, or service
Confirm redemption with OTP verification
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.
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.
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:
Check the list of partner restaurants on Axis Bank website or app
Make a reservation or visit the restaurant
Present your Axis Bank My Zone Easy Credit Card before billing
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 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.
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.
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:
Look for the contactless payment symbol at merchant terminals
Hold your card within 4-5 cm of the card reader
Wait for the confirmation beep or light
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
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.
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.
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:
Make a purchase of ₹2,500 or more
Call Axis Bank customer care at 1860-500-5555
Request EMI conversion for the transaction
Select your preferred tenure
Bank will process and apply EMI to your account
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.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST (~₹590) | One-time charge when the card is issued |
| Annual Fee | ₹500 + GST (~₹590) | Charged every year on card anniversary. No spend-based waiver available |
| Add-on Card Fee | Nil | No charge for add-on cards for family members |
| Interest Rate (APR) | 3.4% per month (49.36% annually) | Applicable on outstanding balances when full payment is not made by due date |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions. For non-USD currencies, conversion to USD first, then to INR |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) | Charged on ATM cash withdrawals and cash advances |
| Cash Advance Interest | 3.4% per month (49.36% annually) | Interest charged from transaction date with no grace period |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds approved credit limit |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment via cheque/NACH/auto-debit is returned or reversed |
| Late Payment Charges | Varies based on outstanding amount | Up to ₹500: Nil; ₹501-₹5,000: ₹500; ₹5,001-₹10,000: ₹750; Above ₹10,000: ₹1,300 |
| Cash Payment Fee | ₹100 per transaction | Charged for cash payments at Axis Bank branches or ATMs |
| Card Replacement Fee | ₹100 | Charged for issuing replacement card due to loss, theft, or damage |
| Railway Ticket Surcharge | As prescribed by IRCTC / Indian Railways | Charges as per government norms; typically refunded after transaction completion |
| Balance Transfer Processing Fee | 3% of transfer amount | Applicable on balance transfer requests from other cards |
| Rent Transaction Fee | 1% of rent amount + GST | Applicable on rent payment transactions (MCC 6513) |
| Wallet Load Fee | 1% of wallet load amount + GST | Applicable on digital wallet loading transactions (MCC 6540) |
| Duplicate Statement Charges | Waived | No charge for requesting duplicate statements |
| Balance Enquiry Charges | Waived | No charge for balance enquiries |
| Charge Slip Retrieval Fee | Waived | No charge for retrieving transaction charge slips |
| Outstation Cheque Fee | Waived | No charge for outstation cheque processing |
| GST on Fees | 18% | Applicable as per Government of India regulations on all fees and charges |
| Criteria | Details |
|---|---|
Age | Primary cardholder must be 18 years or older |
Fixed Deposit Requirement | Must have an FD of ₹15,000 to ₹25 lakh at any Axis Bank branch |
Citizenship | Must be a Resident of India |
Credit Score | No minimum credit score required (guaranteed approval with FD) |
FD Restrictions | FD must be in individual's name (not applicable for: Tax Saver FDs, Flexi-Deposits, FDs in name of HUF/Society/Trust/Companies) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (not older than 3 months) |
| PAN Card | Mandatory for all credit card issuances as per RBI guidelines |
| Fixed Deposit Proof | FD receipt/certificate from Axis Bank showing FD amount between ₹15,000 and ₹25 lakh |
| Photograph | Recent passport-size photographs (2-3 copies) |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Axis Bank My Zone Easy Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Build Credit History | This is your primary goal. Use the card regularly for small purchases and always pay the full amount on time. Every timely payment builds your credit score |
Maintain Low Credit Utilisation | Keep your spending below 30% of your credit limit. For example, if your limit is ₹13,500 (90% of ₹15,000 FD), try to spend less than ₹4,000 per month. This significantly improves your credit score |
Pay Full Amount Always | Never pay just the minimum due. Always pay the full outstanding amount to avoid hefty interest charges of 49.36% annually and to build excellent payment history |
Maximise Movie Cashback | Use your card for all cinema outings to earn 25% cashback. With the ₹1,000 annual cap, you can save on approximately ₹4,000 worth of tickets yearly |
Leverage Dining Discounts | Take advantage of the minimum 15% discount at Dining Delights partner restaurants. Check the partner list on Axis Bank website before dining out |
Use for Everyday Purchases | Make regular purchases for groceries, utilities (not earning points but building credit history), shopping, and dining to establish consistent credit activity |
Avoid Cash Withdrawals | Despite the 100% cash withdrawal facility, avoid using it except in genuine emergencies. The 2.5% fee plus 49.36% annual interest makes it extremely expensive |
Leverage Contactless Payments | Use tap-and-pay for transactions under ₹5,000 for faster, more secure checkout experiences |
Track EDGE Points | Regularly check your EDGE REWARD points balance through the mobile app. Redeem them periodically for vouchers or products to extract value |
Fuel Savings Strategy | Plan fuel purchases between ₹400-₹4,000 to maximise the 1% surcharge waiver benefit (up to ₹400 monthly savings) |
Set Up Payment Alerts | Enable SMS and email alerts for all transactions. This helps you monitor spending in real-time and detect any unauthorised activity immediately |
Use EMI Wisely | For purchases above ₹2,500 that you need to spread out, convert to EMI. However, understand the interest rates and use this feature judiciously |
Avoid Late Payments | Set up payment reminders or auto-debit to ensure you never miss a payment. Late payments damage credit scores significantly |
Don't Exceed Credit Limit | Overlimit penalties are expensive (minimum ₹500). Always keep track of your available credit to avoid exceeding your limit |
Graduate to Unsecured Cards | After 12-18 months of responsible usage and timely payments, you'll likely qualify for unsecured credit cards with better rewards. Use this card as a stepping stone |
Monitor Your Credit Score | Check your CIBIL score quarterly to track improvement. Apps like Axis Mobile Banking or third-party apps can provide free credit score checks |
Keep FD Intact | Your FD remains intact and continues earning interest. Don't break the FD until you're ready to close the card or upgrade to an unsecured card |
The Axis Bank My Zone Easy Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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