Axis Bank MY Zone Easy Credit Card
A credit card against an Axis Bank fixed deposit (minimum ₹15,000) earning 4 EDGE REWARD Points per ₹200 on domestic spends, with 25% cashback on movie tickets up to ₹1,000 a year; standard fee ₹500 a year. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Issued against an Axis Bank fixed deposit of ₹15,000 to ₹25 lakh. Axis says its online FD-card journey is only for people who have never held a credit card.
Not on record from an official document: the full list of spends that earn no reward on this card (the product page names only fuel and movie-offer spends); rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. The product page lists a standard ₹500 joining and annual fee; the card listing and the FD-card page show nil fees. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Domestic spends | 4 points per ₹200 Product page | no cap on record |
The product page gives points only for domestic spends and names only fuel and movie-offer transactions as earning none; Axis's 28 Aug 2026 revision also excludes gift cards and tolls.
No rewards on
- Fuel (and movie-offer transactions) Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge refunded on fills of ₹400 to ₹4,000, up to ₹400 a statement cycle Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 25% cashback on movie tickets, online or at the box office, up to ₹1,000 a calendar year Product page
- Dining Delights: at least 15% off at partner restaurants Product page
Eligibility
- Axis Bank fixed deposit of ₹15,000 to ₹25 lakh Product page
- No income documents needed Product page
- Aged 18 or above Product page
- Indian, with a valid PAN card Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the rupee value of an EDGE REWARD Point for this card (the MITC uses ₹0.20 a point only in an example of converting a negative points balance, and says the value may vary by card)
- a reward rate on international spends
- the card network
- a RuPay variant for UPI
Where Axis Bank’s documents differ, and what is used
- Fees: the product page lists a standard joining and annual fee of ₹500 each; the card listing and the credit-card-against-FD page show Joining Fee Nil and Annual Fee Nil. The standard fee is used.
The quotes behind the figures
21 figures, each copied from an official Axis Bank document.
Show every quote and source
“Standard Joining Fee ₹500”
“Standard Annual Fee ₹500”
“Foreign currency transaction Fee 3.50% of the transaction value”
“Get 4 points for every ₹200 spent on domestic transactions.”
“Earn 4 points on domestic spends for every ₹ 200 spent.”
“*No reward points are earned on movie offer transactions. The amount of cashback in a calendar year is limited to ₹1000.”
“*No reward points are earned on fuel transactions.”
“*Only transactions made at merchants registered as MCC 7832 or MCC 7922 are eligible for movie cashback”
“No, in this journey, customers who currently hold a credit card or have previously held one but do not have it anymore are not eligible to apply for a Credit Card Against Fixed Deposit.”
“Axis Bank MY Zone Easy Credit Card Compare Contactless enabled secured credit card 4 EDGE REWARD Points with every ₹200 spent 25% cashback on movies Joining Fee: ₹NIL Annual Fee: ₹NIL Know More Apply Now”
“Example - Negative Reward Point balance of 1000 will be converted to statement debit of INR 200 i.e. 1000 Negative Reward Points X INR 0.20 per Reward Point.”
“Finance Charges (Retail purchases & cash) 3.40% per month (49.36% per annum)”
“You get a 1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank MY Zone Easy Credit Card.”
“Valid on transactions between ₹400 and ₹4,000 only. Maximum benefits up to ₹400* per statement cycle.”
“25% cashback on online and box office movie ticket purchases all week with your MY Zone Easy Credit Card*”
“Indulge in delectable cuisines with Axis Bank Dining Delights offering a minimum 15%* off at our partner restaurants in India.”
“Minimum Fixed Deposit amount is ₹15,000, while maximum amounts to ₹25 lakhs.”
“You don’t need to submit income documents to apply for a credit card. A fixed deposit is all you need to get started!”
“You must be 18 years old and above”
“You must be Indian and have a valid PAN CARD”
“3. Fixed Deposits in the name of HUFs (Hindu undivided families), societies, trusts, or companies. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology