Axis Bank
Axis Bank MY Zone Easy Credit Card
4 EDGE REWARD points per ₹200 on domestic spends; Axis doesn't publish what this card's points are worth. 25% cashback on movie tickets (online or at the box office), capped at ₹1,000 a calendar year. Fuel and movie-ticket spends earn no points.
- ₹500 joining, ₹500 a year
- Visa
Pros and cons
Good
- No income proof needed: issued against a fixed deposit
Watch out for
- The bank doesn't publish what a reward point is worth
- High forex markup (3.5%)
- Can't be used on UPI (not a RuPay card)
- Who it's for
- People whose spending matches its best category: everyday spends.
- Skip it if
- You want rewards to cover the fee: a free card pays as much.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Fuel
- 0%
Fees and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- No fee waiver is published. Axis's credit-card-against-FD page lists this card with no joining or annual fee, but the card's own fee table shows ₹500 each, so expect ₹500 unless Axis confirms otherwise when you apply.
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle.
Benefits and eligibility
- Airport lounge
- None
- Card network
- Visa
- UPI payments
- No
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Issued against an Axis Bank fixed deposit of ₹15,000 to ₹25 lakh; Axis says the limit is up to 80–90% of the FD. You must be an Indian citizen aged 18 or over with a PAN; no income proof or credit score is needed, and the FD can be paid for by UPI. Axis's online FD-card journey is only for people who have never held a credit card. Tax-saver FDs, auto-sweep deposits and FDs held by HUFs, societies, trusts or companies can't be used, and minors aren't eligible. The FD can't be closed while the card is active. Issuance at Axis Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Axis Bank MY Zone Easy Credit Card?
View on Axis Bank siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.
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What changed recently
- FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
The card's own page still shows 1.5%.
Bank's notice or terms - FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms - Excluded spendsWorse for you
Bridge fees, road fees and tolls no longer earn reward points.
After: No points on bridge fees, road fees and tolls
Axis's card-wide notice; the card page doesn't say whether tolls earned points before.
Bank's notice or terms
Questions people ask
Is the Axis Bank MY Zone Easy Credit Card worth it in 2026?
Hard to say: the bank doesn't publish what its rewards are worth, so check its reward terms first. The catch: high forex markup (3.5%).
Is the Axis Bank MY Zone Easy Credit Card lifetime free?
No. It costs ₹500 to join and ₹500 a year, plus GST. No fee waiver is published. Axis's credit-card-against-FD page lists this card with no joining or annual fee, but the card's own fee table shows ₹500 each, so expect ₹500 unless Axis confirms otherwise when you apply.
Does the Axis Bank MY Zone Easy Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the Axis Bank MY Zone Easy Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Axis Bank MY Zone Easy Credit Card?
No points on fuel, on movie tickets that get the 25% cashback, on gift card purchases, or on bridge fees, road fees and tolls. Points on a purchase are taken back if you convert it to EMI. Axis doesn't publish a fuller list of excluded spends for this card.
Is there a limit on rewards with the Axis Bank MY Zone Easy Credit Card?
25% movie-ticket cashback is capped at ₹1,000 a calendar year, reached at ₹4,000 of ticket spend. Movies aren't a reward_rate key.
Who can get the Axis Bank MY Zone Easy Credit Card?
Issued against an Axis Bank fixed deposit of ₹15,000 to ₹25 lakh; Axis says the limit is up to 80–90% of the FD. You must be an Indian citizen aged 18 or over with a PAN; no income proof or credit score is needed, and the FD can be paid for by UPI. Axis's online FD-card journey is only for people who have never held a credit card. Tax-saver FDs, auto-sweep deposits and FDs held by HUFs, societies, trusts or companies can't be used, and minors aren't eligible. The FD can't be closed while the card is active. Issuance at Axis Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Axis Bank's own product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 20 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.