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Credit Cards

MY Zone Credit Card

Explore fun times with gratifying rewards and
exciting offers on entertainment

Get Rewards on Entertainment

Exciting offers on movie ticket bookings, dining, shopping and more

High Security

MY Zone Credit Cards are EMV Chip and PIN protected for unrivalled security

Movie Ticket Cashback

25% cashback on online and box office movie ticket purchases

Complimentary Lounge Access

Enjoy complimentary access to airport lounges within India

Features and Benefits

My Zone Credit Card Charges
Joining Fee Rs.500 Waived upon spends of Rs.5,000 in 45 days
Annual Fee

1st Year:

2nd Year onwards:


Rs. 500

Add-on Card Joining Fee Nil
Add-on Card Annual Fee Nil
Card Replacement Fee(lost or stolen or re -issue) Waived
Cash Payment Fee Rs. 100/-
Duplicate Statement Fee Waived
Charge Slip Retrieval Fee or Copy Request Fee Waived
Outstation Cheque Fee Waived
Mobile Alerts for Transactions Free
Hotlisting Charges Nil
Balance Enquiry Charges Waived
Finance Charges (Retail Purchases & Cash) 3.25% per month(46.78% per annum)
Cash Withdrawal Fees 2.5% (Min. Rs 250) of the Cash Amount
Overdue Penalty or Late Payment Fee
  • Nil if Total Payment due is up to Rs. 100
  • Rs. 100 if Total Payment due is between Rs. 101 - Rs. 300
  • Rs. 300 if Total Payment due is between Rs. 301 - Rs. 1000
  • Rs. 500 if Total Payment due is between Rs. 1001 - Rs. 5000
  • Rs. 600 if Total Payment due is between Rs. 5001 - Rs. 20,000
  • Rs. 700 if Total Payment due is Rs. 20,001 and above
Over Limit Penalty 3% of the overlimit amount (Min. Rs 500)
Cheque Return or Dishonour Fee or Auto-debit Reversal Rs. 300/-
Surcharge on Purchase or Cancellation of Railway Tickets As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge Transaction 1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month)
Foreign Currency Transaction Fee 3.50% of the transaction value
Reward Point Redemption fee Nil
GST As per existing Government norms


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