HomeCredit CardsAxis My Zone Easy Credit Card
Axis My Zone Easy Credit Card

Axis Bank

Axis My Zone Easy Credit Card

visabasiccreditshopping

Annual Fee

₹590₹500 + GST

Base Reward

4% points

Foreign Markup

3.5% of the total transaction amount.

Apply Now
4/5
VerifiedLast updated 26 May 2026

Product Highlights

  • Secured credit card
  • Earn 4 Edge Reward Points on every Rs. 200 spent
  • Up to ₹1,000 discount every year on movie tickets
  • Zero liability protection against lost/stolen card

Category Rewards

Specialty

★ 25% cashback on movie tickets (online + box office)

25%

Reward Calculator

Earns ₹9,480/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Cashback / yr

₹9.5K

direct cashback

Direct value

₹9.5K

via direct credit

Effective rate

6.08%

Annual fee

FREE

Year 1 net

+₹9,480

Year 2+ net

+₹9,480

ongoing

Adjust your spend by reward bucket

2 buckets
25.0%★ 25% cashback on movie tickets (online + box office)
₹3,000/mo
Earns ₹750 / mo≈ ₹750 worth/mo
0.40%All other spends
₹10,000/mo
Earns ₹40 / mo≈ ₹40 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Rent payment surcharge

1%

Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.

Wallet load surcharge

1%

Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)

Utility payment surcharge

1%

Kicks in after ₹25,000 cumulative utility spends/cycle

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, emi, wallet, cash advance, rent, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 4 Edge Reward Points on every Rs. 200 spent. Get 25% cashback on movie ticket bookings and a minimum of 15% discount on dining.

Redemption

1 Edge Reward Point = ₹0.20 against statement.

Benefits & Features

Minimum 15% discount on dining under Axis Bank's dining delights program.

Pros & Cons

Pros

  • 4 Edge Reward Points on every Rs. 200 spent
  • 25% cashback on movie tickets
  • Minimum 15% discount on dining
  • 1% fuel surcharge waiver

Cons

  • No reward points on fuel transactions
  • Limited features compared to unsecured cards

Additional Info

This card is ideal for individuals looking to build their credit score.

Maximum cashback per calendar year is capped at ₹1,000.

Excluded Categories

fuel

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹500
Joining Fee₹500 + GST
Foreign Markup3.5% of the total transaction amount.
Interest Rate3.75% per month
Cash Advance2.5% of the withdrawn amount, subject to a minimum of ₹500.

Eligibility

Min Age

18 yrs

Networks

rupay