M16S / Axis Bank / Axis My Zone Easy Credit Card
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Axis My Zone Easy Credit Card
The Axis My Zone Easy Credit Card costs Rs 500 a year. Its base return is 0.4% (4 EDGE RP per Rs 200 on domestic spend). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- —
- Base return
- 0.4%
- Forex markup
- 3.5%
- Interest
- 3.4%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Fee notes | FD-backed. Joining Rs 500 and annual Rs 500 per the issuer product page. Add-on nil. |
Rewards
| Reward currency | EDGE Reward Points |
|---|---|
| Base earn | 4 EDGE RP per Rs 200 on domestic spend |
| Base return | 0.4% |
| Point value | Rs 0.20 per point |
| Spends that earn nothing | No points on fuel or on movie transactions that get the movie cashback (issuer page) |
| Points expiry | 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C) |
| Reward notes | base_return_pct = 4 points per Rs 200 x Rs 0.20 = 0.4%. Issuer fee table shows a reward redemption fee applies ('Yes') without the amount. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page) |
| Other freebies | 25% cashback on online and box-office movie tickets (MCC 7832/7922), cap Rs 1,000 a calendar year; Dining Delights minimum 15% off at partner restaurants; cash withdrawal up to 100% of credit limit; up to 50 days interest-free credit; Wednesday offers |
Charges and eligibility
| Interest per month | 3.4% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Fixed deposit at any Axis Bank branch, minimum Rs 15,000, maximum Rs 25 lakh; guaranteed approval. Minors not eligible. Not issued against tax-saver FDs, flexi/auto-sweep deposits, or FDs held by HUFs, societies, trusts or companies. |
| Fine-print notes | Interest 3.4% a month for secured cards (MITC). Credit limit as a share of the FD not found. Product page read 2026-10-12 confirms 3.40% monthly interest (49.36% a year), 3.5% forex, DCC markup 1.5% + taxes, nil add-on fees. The joining and annual fee cells are blank in the page text, so the Rs 500/500 aggregator figure stays unverified. Page mentions Visa emergency card replacement but does not otherwise state the network. Conflicts resolved from issuer page read 2026-10-12: eligibility: old (aggregator) 'fixed deposit of Rs 20,000 or more' -> issuer page 'minimum FD Rs 15,000, maximum Rs 25 lakh' |
Questions
- What is the annual fee of the Axis My Zone Easy Credit Card?
- Rs 500 a year, before GST.
- Does the Axis My Zone Easy Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Axis My Zone Easy Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis My Zone Easy Credit Card?
- No points on fuel or on movie transactions that get the movie cashback (issuer page)