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Last updated: 9 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 EDGE Points per ₹200 spent
Earn 4 EDGE Reward Points for every ₹200 spent on domestic transactions. Transactions on movies, fuel, and EMIs do not earn reward points.
Redeem for
The privileges that come bundled in, beyond the reward points.
High Cash Withdrawal: Uniquely allows cash withdrawals up to 100% of your credit limit right from day one
Movie Offers: 25% cashback on online and box office movie ticket bookings (maximum cashback capped at ₹1,000 per calendar year)
Dining Delights: Minimum 15% discount on dining at partner restaurants under the Axis Bank Dining Delights program
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).
An honest read on where this card earns its keep — and where it doesn't.
Guaranteed approval makes it an excellent choice for beginners looking to build or repair their credit score
Rare ability to withdraw 100% of the credit limit as cash
Solid 25% cashback on movie tickets (up to ₹1,000/year)
Provides premium features like dining discounts despite being a secured card
Requires tying up funds in an Axis Bank Fixed Deposit to secure the credit limit
Annual fee of ₹500 does not come with a standard spend-based waiver target
Base reward rate is low for everyday spending
High cash advance fee applies even if the withdrawal limit is 100%
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank My Zone Easy Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Axis Bank My Zone Easy Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank My Zone Easy Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Guaranteed approval secured credit card issued against a Fixed Deposit (FD) with minimal documentation.".
Axis Bank My Zone Easy Credit Card earns EDGE Reward Points at a primary rate of 4 EDGE Points per ₹200 spent. Specifically, Earn 4 EDGE Reward Points for every ₹200 spent on domestic transactions. Transactions on movies, fuel, and EMIs do not earn reward points.. Spends in Secured, Entry Level, Movies categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank My Zone Easy Credit Card can be redeemed for Axis EDGE Rewards Catalog, Shopping & Travel Vouchers via Axis Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
A CIBIL credit score of 720 or above is strongly recommended for approval of Axis Bank My Zone Easy Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank My Zone Easy Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank My Zone Easy Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank My Zone Easy Credit Card currently features a welcome offer: "Guaranteed approval secured credit card issued against a Fixed Deposit (FD) with minimal documentation.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Guaranteed approval makes it an excellent choice for beginners looking to build or repair their credit score and Rare ability to withdraw 100% of the credit limit as cash. However, keep in mind that Requires tying up funds in an Axis Bank Fixed Deposit to secure the credit limit and Annual fee of ₹500 does not come with a standard spend-based waiver target. Overall, Axis Bank My Zone Easy Credit Card delivers strong value if your regular spending aligns with Secured, Entry Level, Movies.
Axis Bank My Zone Easy Credit Card is focused on Secured and Entry Level and Movies valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Axis Bank My Zone Easy Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
