Axis Bank MY Zone Easy Credit Card Review: ₹15,000 FD, ₹500 a Year

MY Zone Easy is Axis Bank's credit card against a fixed deposit: book an Axis FD of ₹15,000 to ₹25 lakh and the limit is up to 80% to 90% of it, with no income proof. It costs ₹500 to join and ₹500 a year plus GST with no spend waiver, and its only reward you can value in rupees is 25% movie cashback, capped at ₹1,000 a calendar year.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST. No spend-based annual fee waiver in the Key Fact Sheet.
Base reward: 4 EDGE REWARD Points per INR 200 spent on domestic transactions
Best category: Movie tickets: about 25% value
Lounge: Domestic: None stated International: None stated
Forex markup: 3.5% of the amount
Network: Visa

Apply on Axis Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A workable first card for someone with savings, no credit record and a cinema habit, but the ₹500 yearly fee with no waiver and an unpublished point value make it a costlier way to build credit than the free FD cards.

Best for

First-time card users who can keep ₹15,000 or more in an Axis FD
Regular moviegoers who will use most of the ₹1,000 yearly movie cashback
Axis customers who want the card tied to their own deposit

Skip it if

You hold or have held any credit card and want to apply online
You spend abroad often, since the forex markup is 3.5%
You want a secured card with no annual fee

Highlights

FD of ₹15,000 to ₹25 lakh, limit up to 80% to 90% of it
₹500 joining and ₹500 annual fee, GST extra, no waiver
4 EDGE REWARD points per ₹200 on domestic spends
25% movie cashback, up to ₹1,000 a calendar year
Interest 3.4% a month (49.36% a year)

What MY Zone Easy is and who it is for

MY Zone Easy is a Visa credit card that Axis Bank issue against a fixed deposit you open with it. The deposit is marked under lien and the bank's FD card page puts the limit at up to 80% to 90% of it, without printing the exact share for this card. A ₹15,000 FD, the smallest it takes, would so give a limit between ₹12,000 and ₹13,500 (80% and 90% of ₹15,000).

No salary slip or ITR is asked, it's built for people who has money in the bank but no credit record yet: a college student, a homemaker, someone just starting freelance work. Our guide to secured credit cards explains how deposit-backed cards work in general.

Three things matter before you book the FD. The fee is ₹500 to join and ₹500 every year plus GST, with no spend target that removes it. Rewards are thin: 4 EDGE REWARD points per ₹200, and Axis doesn't say what a point is worth here, so only the movie cashback can be counted in rupees. And the online FD route is closed to anyone who holds a credit card or has held one before.

Status and recent changes

The card is open for new applications as of 5 November 2026.
20 December 2024: Axis raised its standard card interest to 3.75% a month from 3.6%, while the MITC lists FD-secured cards like this one at 3.4%. The same round bring a ₹175 fee for paying cash at a branch and 1% fees on third-party education payments and on large utility, wallet, fuel and gaming spends.
28 August 2026: the markup on rupee payments abroad went to 3.5% from 1.5%, a ₹1,300 late fee slab arrived for dues above ₹50,000, gift cards became a separate category and tolls stopped earning rewards.

The rest of the range is on our Axis Bank credit cards page.

What MY Zone Easy costs to hold and use

Axis's Key Fact Sheet and the card page put the joining fee at ₹500 and the annual fee at ₹500. The card listing and FD page tiles show both as nil, but the Key Fact Sheet is the bank's own schedule of charges, so we go by it; check your first statement. With 18% GST each fee is ₹590 (₹500 plus ₹90). Add-on cards is free.

No waiver: what it takes to earn the fee back

There's no spend-based waiver, so no monthly target makes the ₹590 go away. The nearest payback is the movie offer: at 25% you need ₹2,360 of tickets in a calendar year to get ₹590 back (₹590 divided by 25%), about ₹197 a month (₹2,360 divided by 12). Points can't be counted this way because there value isn't published.

Interest, late fee and cash

Interest is 3.4% a month, 49.36% a year, lower than the 3.75% on most Axis cards but still a costly price for borrowing against your own money. ₹10,000 unpaid for a month costs about ₹340 (3.4% of ₹10,000) plus ₹61.20 GST (18% of ₹340). The interest-free period of up to 50 days only works when the previous bill was paid in full.

Late fees go by the amount still due: nil up to ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, ₹1,200 for ₹10,001 to ₹50,000 and ₹1,300 above ₹50,000. Miss the minimum two cycles running and ₹100 more is added each cycle until it's cleared. The card page still shows ₹1,200 as the top slab, the MITC has the ₹1,300 one.

Cash can be drawn up to 100% of the limit from day one, but it charge 2.5% with a ₹500 minimum plus 3.4% a month interest from the day of withdrawal, so anything below ₹20,000 pays the full ₹500 (₹500 is 2.5% of ₹20,000). Going over the limit costs 2.5% of the excess, minimum ₹500.

Forex and category fees

Foreign currency spends 3.5%, and the same 3.5% on rupee payments at overseas locations or to merchants registered abroad.
Rent (MCC 6513) 1% of each payment plus GST. Education fees through third-party apps 1%; paying the school or college on it's own website or card machine is exempt.
1% once a statement cycle crosses ₹25,000 of utilities, ₹10,000 of wallet loads, ₹10,000 of online skill-based gaming or ₹50,000 of fuel.
Cash payment at a branch ₹175; a bounced cheque or failed auto-debit 2%, minimum ₹500; ₹99 per points redemption and ₹199 per transfer to a partner loyalty programme.

MY Zone Easy: fees and charges

Joining fee	₹500 + GST
Annual or renewal fee	₹500 + GST
Annual fee waiver	No spend-based annual fee waiver in the Key Fact Sheet.
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Key Fact Sheet and card page: standard joining fee INR 500, annual fee INR 500, add-on free; GST extra. The Axis listing and FD page tiles show joining and annual fee 'NIL'.
Interest on unpaid balances	Up to 3.4% a month (49.36% a year)
Late payment fee	Nil if total payment due is up to INR 500; INR 500 for INR 501 to 5,000; INR 750 for INR 5,001 to 10,000; INR 1,200 for INR 10,001 to 50,000; INR 1,300 if greater than INR 50,000; additional INR 100 if Minimum Amount Due is missed for two consecutive cycles, every cycle until MAD is cleared (MITC; INR 1,300 slab effective 28 Aug 2026)
Cash withdrawal	2.5% of the amount (minimum INR 500); interest at 3.4% per month from the date of withdrawal
Over-limit fee	2.5% of the over-limit amount, minimum INR 500
Forex markup	3.5% of the amount
Other fees	Rent transactions: 1% of each rent transaction (MCC 6513), plus GST Education payments via third-party apps: 1% per transaction (direct payments on the institution's website or POS exempt) Utilities: 1% on cumulative spends of INR 25,000 or more per statement cycle Wallet loads: 1% on cumulative spends of INR 10,000 or more per statement cycle Fuel: 1% on cumulative spends of INR 50,000 or more per statement cycle Online skill-based gaming: 1% on cumulative spends of INR 10,000 or more per statement cycle Foreign currency transaction fee: 3.5% of transaction value Dynamic currency conversion markup: 3.5% (INR transactions at overseas locations or with merchants registered abroad) Cash payment at branch: INR 175 per payment Cheque return / auto-debit reversal / SI or NACH failure: 2% of payment amount, minimum INR 500 Reward redemption: INR 99 per redemption on the EDGE REWARDS portal; INR 199 per transfer of EDGE REWARD Points/EDGE Miles to partner loyalty programmes

Points, the movie offer and what they are worth

Every ₹200 of domestic spending earns 4 EDGE REWARD points. Fuel earns none, movie tickets get cashback instead of points, and since 28 August 2026 tolls earn nothing. Axis doesn't publish a point value for MY Zone Easy, so we count your points but can't honestly turn them into rupees; check the EDGE REWARDS catalogue before planning around them.

Points expire three years after they are given, or sooner if the account sit unused for 365 days. Each redemption costs ₹99, or ₹116.82 with 18% GST (₹99 plus ₹17.82), so cashing small balances often is waste of money. There are no welcome points and no milestones.

The movie cashback is 25% on tickets bought online or at the box office from merchants coded MCC 7832 or 7922, up to ₹1,000 a calendar year. You hit the cap at ₹4,000 of tickets (₹1,000 divided by 25%), and after that movies earn nothing for rest of the year. Fuel fills of ₹400 to ₹4,000 get the 1% surcharge waived, up to ₹400 a statement cycle.

Three spenders, worked out

Student, ₹15,000 FD (limit about ₹12,000, 80% of ₹15,000), ₹5,000 a month: ₹4,400 on food, recharges and online shopping, ₹300 on movies, ₹300 on petrol. That's 22 lots of ₹200, so 88 points a month (22 times 4) and 1,056 a year (88 times 12). Movies return ₹75 a month (25% of ₹300), ₹900 a year (₹75 times 12). The ₹300 top-up is below ₹400, so it get no waiver. Result: ₹900 against the ₹590 fee, ₹310 ahead (₹900 minus ₹590), plus 1,056 points.

Salaried first-timer, ₹50,000 FD (limit ₹40,000 to ₹45,000, 80% to 90% of ₹50,000), ₹20,000 a month: ₹15,200 on groceries, dining, bills and shopping, ₹800 on movies, ₹4,000 on fuel. The ₹15,200 is 76 lots of ₹200 and gives 304 points a month, 3,648 a year (304 times 12). Movies at ₹200 a month use up the ₹1,000 cap by the fifth month (₹200 times 5). Fuel saves ₹40 a month (1% of ₹4,000), ₹480 a year (₹40 times 12). Rupee total ₹1,480 (₹1,000 plus ₹480) against ₹590.

Heavy user, ₹2,00,000 FD (limit ₹1,60,000, 80% of ₹2,00,000), ₹50,000 a month: ₹40,400 on shopping, travel, dining and bills, ₹1,600 on movies, ₹8,000 on fuel in two ₹4,000 fills. That's 202 lots of ₹200 (₹40,400 divided by 200), 808 points a month (202 times 4) and 9,696 a year (808 times 12). Movies at ₹400 a month (25% of ₹1,600) hit the cap in the third month. Fuel saves ₹80 a month (1% of two ₹4,000 fills), ₹960 a year (₹80 times 12). Rupee total ₹1,960 (₹1,000 plus ₹960) against ₹590. Very much spending is there but the cash part stays stuck at the movie cap.

Spender	FD	Monthly spend	Points a year	Movie cashback a year	Fuel surcharge saved	Fee with GST
Student	₹15,000	₹5,000	1,056	₹900	₹0	₹590
Salaried first-timer	₹50,000	₹20,000	3,648	₹1,000	₹480	₹590
Heavy user	₹2,00,000	₹50,000	9,696	₹1,000	₹960	₹590

MY Zone Easy: higher-reward categories

Category	Rate	Cap
Movie tickets (online and box office; MCC 7832 or 7922)	25% cashback, about 25% value	Maximum INR 1,000 cashback per calendar year; no reward points on movie transactions, ₹1,000, calendar year

MY Zone Easy: how rewards work

Earned as	EDGE REWARD Points
Base rate	4 EDGE REWARD Points per INR 200 spent on domestic transactions
Minimum spend rules	Points earned per INR 200 of domestic spends.
No rewards on	Fuel (no reward points) Movie transactions (cashback instead of points)
Lower rewards on	None published
Value of a point	EDGE REWARDS catalogue: Point value not stated for this card.
Redemption fee	Card page: reward redemption fee 'Yes' (Axis charges INR 99 per redemption on the EDGE REWARDS platform per other Axis card pages)
Expiry	EDGE REWARD Points expire 3 years from allotment, or after 365 days without account activity.
Welcome benefits	None published
Milestone benefits	None published
Lounge access	Domestic: None stated International: None stated
Fuel surcharge waiver	1% fuel surcharge waiver at all fuel stations in India on transactions of INR 400 to INR 4,000; maximum INR 400 per statement cycle; no points on fuel
Insurance cover	Not published by the bank

Who can apply and how the FD works

Axis asks for an Indian applicant aged 18 or more with a valid PAN. Minors can't apply, and there is no income rule because the deposit does the job income proof would do, for salaried and self-employed people alike.

FD rules

A deposit of ₹15,000 to ₹25 lakh with Axis Bank, marked under lien; the limit is up to 80% to 90% of it. Axis don't give the exact share card by card, so ask before you size the deposit.
Tax-saver FDs, flexi (auto-sweep) deposits and FDs of an HUF, society, trust or company is not accepted.
The FD can't be closed while the card is active, so only put in money you won't need while you hold the card.
In the online FD journey, anyone who holds a credit card now, or has held one before, is not eligible.

Documents and the application

You verify Aadhaar and PAN online, book the FD and, if you're new to Axis, finish a short Video KYC call with a bank agent. The RBI treats video KYC on par with a face-to-face check, and a revolving card needs full KYC since an Aadhaar OTP e-KYC alone only support term loans of up to ₹60,000 a year.

An FD doesn't take the decision out of the bank's hands. RBI rules makes every issuer assess applicants independently, looking at their own financial means, and a rejected applicant must get the specific reasons in writing. For application or statement questions, see our Axis Bank customer care page.

MY Zone Easy: eligibility and documents

Age (salaried)	18 years and above (FD page)
Age (self-employed)	18 years and above (FD page)
Income (salaried)	No income proof required; a fixed deposit with Axis Bank is needed
Income (self-employed)	No income proof required; a fixed deposit with Axis Bank is needed
Other conditions	Fixed deposit of INR 15,000 to INR 25 lakh with Axis Bank; credit limit up to 80% to 90% of the FD value; minors not eligible; not against tax-saver FDs, flexi (auto-sweep) deposits, or FDs of HUFs, societies, trusts or companies. Indian with a valid PAN. In the online FD journey, people who hold or have held any credit card are not eligible. FD cannot be closed while the card is active.
Documents	Aadhaar and PAN verification Video KYC call for applicants who are not existing Axis Bank customers Fixed deposit (lien marked) instead of income proof
How to apply	Online through the Axis Bank website application form (choose the card, enter mobile number and PAN or date of birth, check eligibility and offers, verify by OTP), through the Axis Mobile app, or at an Axis Bank branch. FD-backed 'Easy' cards are applied for online by booking an FD (Video KYC for non-customers). Some co-brand cards are applied for through the partner's app (Airtel Thanks app for Airtel Axis; Google Pay for Google Pay Flex; Fibe; Scapia).
Card customer care	1800 4030 / 1800 8911 (toll free; Retail Phone Banking)

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Other FD-backed cards to weigh against MY Zone Easy

Two of these ask for a deposit instead of income proof, the third is the natural next step. The table under this section lines up their numbers.

MY Zone Easy or Kotak Dream Different

Kotak's Dream Different starts from a ₹10,000 FD with a limit of 80% of it, charge a ₹424 joining fee and no annual fee, and pays 2% cashback in any cycle with ₹15,000 or more of eligible spends, capped at ₹500 a cycle. Its forex markup is 2% against 3.5% here. If you reach ₹15,000 a month, Kotak gives clear rupee value; if your spends are small and mostly movies, MY Zone Easy's cashback is easier to collect.

MY Zone Easy or ICICI Instant Platinum

The ICICI Bank Instant Platinum has no joining or annual fee and a limit of 90% of the FD, but its minimum deposit are ₹50,000 and the FD must run at least 180 days. It earns 2 points per ₹100, and ICICI too keeps the point value unpublished. Choose it if you can lock up ₹50,000 and want no yearly fee.

MY Zone Easy or Axis MY Zone

Once you have income to show, the unsecured Axis MY Zone is the natural move: the same ₹500 joining and ₹500 annual fee on paper, a lifetime-free offer on the Visa variant till 31 December 2026, a domestic lounge visit a quarter after ₹50,000 of spends in the previous three months, and Axis's general minimum income of ₹15,000 a month. Its interest is more higher, 3.75% a month. More options are on our credit cards hub.

MY Zone Easy against similar cards

Term	Axis Bank MY Zone Easy Credit Card This card	Dream Different Credit Card	ICICI Bank Instant Platinum Credit Card	Axis Bank MY Zone Credit Card
Bank	Axis Bank	Kotak Mahindra Bank (Kotak)	ICICI Bank	Axis Bank
Joining fee	₹500 + GST	₹424 + GST	Nil	₹500 + GST
Annual fee and waiver	₹500 + GST. No spend-based annual fee waiver in the Key Fact Sheet.	Nil	Nil	₹500 + GST. No spend-based annual fee waiver in the MITC or Key Fact Sheet. Currently offered lifetime free on the Visa network (Axis listing: 'Lifetime free offer valid till 31st December 2026').
Base reward	4 EDGE REWARD Points per INR 200 spent on domestic transactions	2% cashback on eligible transactions... (about 2% value)	2 ICICI Bank Reward Points per ₹100 spent on all purchases except fuel...	4 EDGE REWARD Points per INR 200 spent (about 0.4% value)
Best category	Movie tickets: about 25% value	No higher-reward category published	No higher-reward category published	No higher-reward category published
Lounges	Domestic: None stated International: None stated	Not published by the bank	Domestic: None stated International: None stated	Domestic: 1 complimentary visit per calendar quarter at select domestic airport lounges (Axis 'Set A' lounges) International: None
Forex markup	3.5% of the amount	2% of the amount	3.5% of the amount	3.5% of the amount
Network	Visa	RuPay	Not stated by the bank	Visa, RuPay
Published minimum income	No income proof required; a fixed deposit with Axis Bank is needed	No income proof required (card secured against a Kotak fixed deposit)	No income criterion stated; secured by FD	Not stated on the card page
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What fee does the Axis MY Zone Easy card charge, and can it be waived?

The Key Fact Sheet lists a ₹500 joining fee and a ₹500 annual fee, each with 18% GST on top, so ₹590. There is no spend-based waiver. Some Axis listing tiles show the fees as nil, so check your first statement. Add-on cards are free.

What are MY Zone Easy reward points worth?

The card earns 4 EDGE REWARD points per ₹200 of domestic spends, but Axis does not state a rupee value for these points on this card. Fuel and movie tickets earn no points. Points last three years, or until 365 days pass with no activity, and each redemption costs ₹99 plus GST.

How big must the FD be, and what limit will I get?

Axis takes a fixed deposit of ₹15,000 to ₹25 lakh, and its FD card page puts the limit at up to 80% to 90% of the deposit, so a ₹15,000 FD means roughly ₹12,000 to ₹13,500. Tax-saver, auto-sweep and HUF, trust or company FDs do not qualify. The bank still decides each application.

Is MY Zone Easy good for spending abroad?

Not really. Foreign currency spends carry a 3.5% markup, and since 28 August 2026 rupee payments at overseas merchants also attract 3.5%, up from 1.5%. GST is added to both. There is no airport lounge access either, so a card with a lower markup suits travel better.

What changed on MY Zone Easy in 2026?

From 28 August 2026 Axis raised the currency conversion markup to 3.5% from 1.5%, added a ₹1,300 late fee for dues above ₹50,000, made gift cards a separate category and stopped rewards on tolls. Interest on this FD-secured card stays at 3.4% a month, or 49.36% a year.

Can I get MY Zone Easy if I already have a credit card?

Not through the online FD route. Axis's FD card page says people who hold a credit card, or have held one before, are not eligible to apply for a card against a fixed deposit online. The card is built for people new to credit, so existing cardholders should ask Axis about other options.

Sources

Axis Bank: Key Fact Sheet (schedule of charges), last updated 8 October 2026; Most Important Terms and Conditions (MITC), PDF dated 8 October 2026; Revision of Axis Bank Credit Card Terms and Conditions (effective 28-08-2026); Axis Bank MY Zone Easy Credit Card page; Axis Bank credit card listing page; Axis Bank support: Validity of EDGE REWARD Points; Axis Bank Credit Card against Fixed Deposit page; Axis Bank Contact Us; Axis Bank Magnus Credit Card page
Business Today: New rules for Axis Bank credit cards valid from December 20

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.