MY ZONE CREDIT CARD STATEMENT

KIRAN MOHAN GHORPADE

RAHATANI , SURVEY NO.32/2B,
BEHIN D. T A M B E SCH OOL, N A K HA T E W A S T HI,
RAHATANI PUNE
PUNE 411017

PAYMENT SUMMARY
Total Payment Due Minimum Payment Due Sta te m e n t P e r i o d P a y m e n t D u e D a te Sta te m e n t G eneration D ate
9,771.45 Dr 489.00 Dr 20/10/2022 - 18/11/2022 08/12/2022 18/11/2022

Cr e di t C a rd Number Cr e d i t Li m i t Av a i l a b l e C r e d i t L i m i t Av a i l a b l e C a s h L i m i t For hassle free payments register for

451457******0969 437,000.00 427,228.55 8 7 ,4 0 0 .0 0 Auto-Debit facility on 18605005555

Previous Balance - Payments - Credits + Purchase + Cash Advance + Other Debit&Charges =Total Payment Due Making only the minimum payment every
month would result in the repayment
18,486.70 Dr 18,486.70 12.05 9,783.50 0 .0 0 0 .0 0 9,771.45 Dr stretching over years with consequent interest

Account Summary
DATE TRANSACTION DETAILS MERCHANT CATEGORY AMOUNT (Rs.)
Card No: 451457******0969 Na m e KIRAN MOHAN GHORPADE
18/10/2022 NAKHATE PETROLIUMPUNEIN FU E L 511. 80 D r
20/10/2022 FUEL CASHBACK REBATES 5. 06 Cr
21/10/2022 GBR TRADING COPUNEIN M I SC E L L ANE O U S 2,375.00 Dr
21/10/2022 SHREE BALAJI TRADERSPUNEIN D E P T ST O R E S 1, 171. 00 D r
03/11/2022 CHANNEL 5PUNEIND E L E C T R O NI C S 800. 00 D r
03/11/2022 DMART THERGAONPUNEIND D E P T ST O R E S 3,575.70 Dr
04/11/2022 BALAJI TRADERSPUNEIN D E P T ST O R E S 228. 00 D r
05/11/2022 MSW*PRAKASH DRESSESPUNEIN C L O T H ST O R E S 415. 00 D r
06/11/2022 SHREEJI PETROLEUMSATARAIN FU E L 707. 00 D r
07/11/2022 FUEL CASHBACK REBATES 6. 99 Cr
07/11/2022 MB PAYMENT #8Q2O4UZXX19CYQ 18,486.70 Cr
**** End of Statement ****

Your cheque should be payable to Axis Bank Card No.451457******0969 . Please write your NAME & TELEPHONE No. on the reverse of the cheque.
Dear Customer, pay your Axis Bank Credit Card bill from any bank account by registering for ECS at any Axis Bank branch. Visit axisbank.com to download the form.
Axis Bank Maharashtra GST registration no.: 27AAACU2414K3ZD.

IMPORTANT MESSAGE
* Axis Bank Maharashtra GST registration no.:27AAACU2414K3ZD
* Please refer: https://www.axisbank.com/webforms/code-of-commitment.aspx for revised BCSBI code.
* Choose the most convenient option for you to pay Credit Card Bill Payment at axisbank.com/ccpay
CONTACT US
Call 1860 419 5555 or 1860 500 5555 Grievance Redressal
*local charges will apply Nodal Officer,
For any assistance please visit 080 61865200
eDGE REWARD BALANCE AS CUSTOMER axisbank.com/support
POIN T S ON DATE ID Manager, Customer Care,Axis Bank Ltd.,NPC1, [email protected]
5th Floor,
3812 12-11-2022 835288172
Gigaplex",Plot No I.T.5, MIDC, Airoli Axis Bank Ltd, NPC1, 5th Floor, "Gigaplex", Plot No I.T.5, MIDC,
Knowledge Park, Airoli, Airoli Knowledge
Navi Mumbai-400708 Park, Airoli, Navi Mumbai- 400708

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 MY ZONE CREDIT CARD STATEMENT

Finance Charge calculation Schedule of charges

If a c ar d ho l der a vai l s of t h e r e vol vi n g f a ci l i t y of t h e c r e d i t c a r d a n d P a r ti c u l a r s Charges
henc e cho o ses to pay a m ou n t less t h a n t h e t ot a l a m ou nt d u e r e f l e c te d
in t he mo nthl y bi l l i ng statement. T h e e n t i r e ou t s t a n d i n g a m o u n t w o u l d D u p l i c a te Sta te m e n t Fe e Wa i v e d
att r ac t fi nance charges a n d a l l n e w t r a n sa ct i on s w i l l a l s o a ttr a c t C h a r g e s l i p r e tr i e v a l Fe e Wa i v e d
f inanc e charges, ti l l such t i me a s t h e p r e vi ou s ou t s t a nd i n g a m o u n t i s
paid in ful l . Fo r example, assume t h a t you h a ve p a i d a ll p r e v i o u s d u e s O u ts ta ti o n C h e q u e Fe e Wa i v e d
in f ull a nd do no t ha ve a n y a m ou n t ou t s t a n d i n g i n yo u r c r e d i t c a r d
ac c ount. Yo u ha ve purch a s e d h ou se h ol d g ood s f or Rs. 2 5 0 0 0 .0 0 o n Finance Charges(Retail & Cash) 3.6% p.m (52.86% per annum)
12th S eptember and w i t h d r a w n ca sh f r om A T M f or Rs. 5 0 0 0 .0 0 o n Fee for Cash Payment at Rs. 100
15t h S eptember. Yo ur m on t h l y statement i s on 2 0 t h o f e v e r y m o n th . branches
O n 20t h September, yo u w ou l d b e l e vi e d i n t e r e st on Rs. 5 0 0 0 .0 0 c a s h
withdr awal s fo r 6 days @ 3.6% p.m. i.e., 5 0 0 0 . 0 0 *6 days*3.6%*12
months/365days= Rs.35.50 you r d u e d a t e f or 2 0 t h S e p t e m b e r statement Cash Withdrawal Fees 2.5% of cash withdrawn
is 10th Octo ber a nd you p a y Rs. 5 0 0 0 . 0 0 on 1 0 t h O c to b e r a n d y o u (Min. Rs 500)
also make a fresh purch a s e of Rs. 1 0 0 0 0 . 0 0 on 1 1 t h O c to b e r , Interest
to be levied on 20th October would be as under:
Nil if total payment due is upto Rs
Interest on Rs.25000 @ 3.6% p.m. from 12th September 500;
828.49 Rs 500 if total payment due is
to 9th October (28 Days)
O v e r d u e P e n a l ty /l a te between Rs 501 - Rs 5000;
Interest on Rs.20000 @ 3.6% p.m. from 10th October to 260.38 payment fee Rs 750 if total payment due is
20t h O cto ber (11 da ys) between Rs 5001-Rs 10.000;
Interest on Rs.5000 @ 3.6% p.m. from 15th September Rs 1,200 if total payment due is
213.04
to 20th October (36 days) g r e a te r th a n R s . 10, 000
Interest on Rs.10000 @ 3.6% p.m. from 11th October to 118.36
20t h O cto ber (10 da ys) 2.5% of over limit amount
Interest on 35.50 (Interest + Tax levied in last statement) O v e r l i m i t P e n a l ty (Min. Rs 500)
@ 3.6% p.m. from 20th September to 20th October (31 1 .3 0
days) Fo r e i g n C u r r e n c y tr a n s a c ti o n 3.5% of transaction value
Total Interest charged on 20th October 1421.57
C h e q u e r e tu r n o r D i s h o n o u r 2% of payment amount subject to
Ac tual i nterest cal cul a t i on w ou l d va r y b a s e d on th e i n d i v i d u a l Fe e minimum Rs. 450, Max. Rs. 1,500
purchases a nd revo l ve b e h a vi ou r . P l e a s e n ot e t h at m a k i n g o n l y
minimum pa yment due e ve r y mon t h w ou l d r e s u l t i n th e r e p a y m e n t Su r c h a r g e o n P u r c h a s e o r As prescribed by IRCTC/ Indian
stretching over years with consequent Interest payment. c a n c e l l a ti o n o f r a i l w a y ti c k e ts R a i l w a y s

As communicated at the time of

Minimum Amount Due Calculation Joining Fee & Annual fees a p p l i c a ti o n
Assume that yo u ha ve p a i d a l l p r e vi ou s d u e s i n f u l l , a n d d o n o t h a v e
any amount o utstandi ng i n you r Cr e d i t Ca r d Account, a n d y o u r m o n th l y
statement is generated on the 15th of every month. C h a r g e s structure i s subject to c h a n g e f o r m time at the sole
d i s c r e ti o n o f Axis Bank. As p e r M i n i s tr y o f f i n a n c es guidelines, G ST
Am o u n t a s p e r existing Go v e r n m e n t n o r m s i s b e i n g lev ied on all fees,
Txn Date Type Cr / D b M A D Con t r i b u ti o n i n te r e s t a n d o th e r c h a r g e s o n a l l c r e d i t cards. N o refund shall be
p r o v i d e d f o r GST c h a r g e d o n f u e l s u r c h a r g e .
25t h S ep Purchase Db 5% 5000
1st Oct Joining Fees Db 100% 1000
1st Oct Cash Withdrawal Db 5% 2000
Billing Dispute Resolution
1st Oct Cash Withdrawal Fee Db 100% 1 0 0 “In c a s e o f a n y b i l l i n g dispute n o ti f i e d to Axis bank, Axis bank will
1st Oct GST Db 100% 1 8 suspend reporting to credit bureau till the dispute is resolved”.
Al l contents o f this statement s h a l l b e d e e m e d to be c orrec t and
15t h O ct Interest on Cash D b 1 0 0 % 35.5 a c c e p te d b y y o u , unless y o u i n f o r m us o f a n y d isc repanc ies within
wi thdrawal
2 1 days o f th e d a te o f this statement, a n d these are found by y ou,
15t h O ct GST o n Intere s t Db 100% 6.4 unless y o u i n f o r m us. O n r e c e i p t o f such i n formation, we may
Total Amount Due 8159.89 r e v e r s e th e c h a r g e s o n a te m p o r a r y basis. I f on c ompletion of
Minimum Amount Due 1 5 0 9 .8 9 subsequent investigation, w e a r e satisfied th a t the liability of such
c h a r g e i s to y o u r a c c o u n t, w e w i l l r e i n s ta te the c harge in the
Minimum A mo unt Due = 5 % of Pu r ch a se a n d Ca s h W i t h d r a w a l + 1 0 0 % o f subsequent statement.
J oining Fees, C a sh W i th d r a w a l Fee, Interest on ca sh w i th d r a w a l , GST &
G S T on I nterest Report Loss, Theft or Unauthorised use of Card or
MAD = 5 %* (5000+ 2000) + 1 0 0 % *(1 0 0 0 +1 0 0 +1 8 +3 5 . 5 +6 . 4 ) = 1 5 0 9 .8 9 Pin
T o r e p o r t loss, theft o r u n a u th o r i s e d u s e o f c a rd or Pin, c ustomer
h a s to b l o c k th e c a r d . C u s to m e r c a n u s e a n y of the below three
Grievance Redressal Mechanism
Se n d a n SM S – B L O C K <space> l a s t 4 digits of c ard number and
Level 1 - Call Centre numbers: 1860-419-5555, 1860-500-5555 send it to

C a l l th e P h o n e b a n k i n g n u m b e r ( I V R ) 1860-419-5555,
1 8 6 0 - 5 0 0 - 5 5 5 5 a n d s e l e c t 0 to b l o c k th e c a rd
Axis Support: www.axisbank.com/support/
B ra nches / Lo an Ce n t r e s (p l e a s e visit www.axisbank.com to Go o n th e M o b i l e Ap p a n d b l o c k th e c r e d i t card
l o ca te the nearest b r a n ch / l oa n ce n t r e )

Level 2
Contact Us:
W ri te E ma i l Call Fo r a n y c l a r i f i c a ti o n o n y o u r c r e d i t c a r d s ta te ment
Phone: 1860 419 5555 / 1860 500 5555
Email: www.axisbank.com/support
Se n d c o r r e s p o n d e n c e to : M a n a g e r , C u s to m e r c are, Axis
Mr . Caesa r Pi nto No da l B a n k Ltd., NPC1,5th Fl o o r , “Gigaplex”, P l o t No I.T.C, MID C,
P h . 0 8 0 -6 1 8 6 5 2 0 0
Officer Add: Axis Bank Ai r o l i K n o w l e d g e P a r k , Ai r o l i , Na v i M u m b a i – 400708
Timings: 9.30 am to 5.30
LTD. NPC 1, 5th Fl o o r
"Gigaplex”, Plot No .I.T N odi as bl .aofn fk.i ce r@ax p m M on d a y to Sa tu r d a y
com (except second and fourth
5, M I DC A i ro l i Saturdays and Bank
Know ledge Pa rk, Ai ro l i, Hol i d a ys)
N avi M umbai – 400708 Disclosure :
“Axis b a n k m a y ti e u p w i th c r e d i t b u r e a u a u th oriz ed by RBI and
w i l l s h a r e c r e d i t i n f o r m a ti o n i n c l u d i n g b u t n ot limited to y our
Level 3 c u r r e n t b a l a n c e , p a y m e n t history, d e m o g r a p h ic details, etc. the
c r e d i t b u r e a u d o n o t p r o v i d e a n y o p i n i o n, indic ation or
W ri te E ma i l Call c o m m e n t p e r ta i n i n g to w h a te v e r c r e d i t s h o u l d or should not be
granted. I t i s y o u r best i n te r e s t to m a i n ta i n a good c redit history
b y p a y i n g th e necessary d u e s i n a ti m e l y m anner. With c redit
b u r e a u i n p l a c e , r e s p o n s i b l e customers c a n expect faster and
Mrs. Neeta Bhatt m o r e c o m p e ti ti v e services a t b e tte r terms f r o m c redit grantors.
P h . 0 8 0 -6 1 8 6 5 0 9 8
Pr inc ipa l No da l Offi cer D e f a u l t b y c u s to m e r w o u l d b e a v a i l a b l e w i th c r edit bureau, whic h
Timings: 9.30 am to 5.30
Add: Axis Bank LTD. 4th i n tu r n w o u l d i m p a c t y o u r c r e d i t worthiness for the future.
Floor, Axis House, Wadia p n o@ a x i sb a n k. co p m M on d a y to Sa tu r d a y P l e a s e m a k e y o u r p a y m e n t b y d u e d a te . L a te pay ment will result
Inter nati o nal C enter, m (except second and fourth i n r e p o r ti n g to C r e d i t B u r e a u . C r e d i t B u r e au inc lude Credit
Saturdays and Bank
P.B. Marg, Worli, r e f e r e n c e Agencies, C r e d i t I n f o r m a ti o n c o m p anies or any other
Hol i d a ys)
Mum ba i – 400 025 e n ti ty f o r m e d a n d a u th o r i ze d b y R B I f o r the purpose of
c o l l e c ti n g , c o l l a ti n g a n d disseminating c r edit information
p e r ta i n i n g to b o r r o w e r s .”