Axis Bank MY Zone Easy Credit Card
Axis Bank · Open to apply
An entry card backed by an Axis fixed deposit (from ₹15,000), with guaranteed approval and a credit limit of 80% of the deposit. Earns 4 EDGE Reward points per ₹200 on domestic spends, 25% cashback on movie tickets (up to ₹1,000 a calendar year) and a 1% fuel surcharge waiver. Interest is 3.4% a month, lower than Axis's 3.75% on unsecured cards.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Base rate
- 4 EDGE Reward points per ₹200: 4 EDGE Reward points per ₹200 (about 0.4% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 25% cashback on movie tickets (MCC 7832 and 7922): 25% in Movie cashback (about 25% at cash value)
Earns nothing on
- No points on fuel
- No points on gift card purchases
- No points on bridge, road and toll fees
- No points on transactions converted to EMI
Where the sources disagree
- Credit limit against the deposit: The FD-linked card page says "a credit limit of up to 80%-90% of your fixed deposit value"; the lien and label marking consent every Easy card holder signs says 80% of the deposit, rounded down to a multiple of ₹1,000. We use the consent, which is the contractual document.
- Joining and annual fee: The KFS and the product page's fee table show ₹500 joining and ₹500 annual. The card listing and the FD-linked card page show ₹NIL for both with a "Fee waiver" tag and no condition. We enter the ₹500 standard fee.
Terms the calculator does not value
- The FD earns interest while it secures the card, and the FD stays locked while the card is active. The calculator does not count the deposit's interest or its cost of being tied up.
- Earn exclusions beyond fuel, movies, gift cards and tolls are not stated on this card's page. The standard My Zone card's page lists no points on movies, fuel, insurance, utilities, wallet, rent, education, government, EMI, jewellery, gift cards and tolls; the Easy page does not repeat that list, so spends in those categories may earn nothing here too.
- The earn rate on international spends is not published: the product page states 4 points per ₹200 for domestic spends only, while the listing states it for every ₹200. The model applies 4 points per ₹200 abroad too; the true rate may be lower or nil.
- Reward redemption carries a fee ("Yes" on the product page) whose amount is not stated.
Sources
- Axis Bank MY ZONE EASY Credit Card product page (features, fees, eligibility) (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank Credit Card against Fixed Deposit page (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank lien and label marking consent for Easy credit cards (Bank notice, the bank's own, read 6 Nov 2026)
- Revision of Axis Bank Credit Card Terms and Conditions, effective 2026-08-28 (generic notice, PDF of 2026-07-27) (Bank notice, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Dining Delights, Axis Bank Exclusive Dining Program with EazyDiner (PDF created 2026-10-29; offer period 2026-10-01 to 2027-01-31) (Reward terms, the bank's own, read 6 Nov 2026)