Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Axis Bank Insta Easy Credit Card

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    Axis Bank Insta Easy Credit Card

    Do you want a new credit card? Are you afraid that your credit card application may be rejected? If you want to apply for a new credit card and are afraid that your credit score may not be strong enough for your application to be approved, you can opt for the Axis Bank Insta Easy Credit Card. You only need to have a Fixed Deposit with Axis Bank and your application for the insta easy credit card will be approved for sure. Thus, you can easily get a new credit card and also enjoy the numerous features and benefits that it offers.

    Axis Bank is a very reputed name in the Indian financial sector. The bank offers a wide range of banking and financial products such as savings accounts, current accounts, loans, credit cards and so on. It has a presence in almost all the states and union territories in the country. Axis Bank credit cards are designed in such a manner that they are able to cater to the needs of all kinds of customers in India. The Axis Bank Insta Easy Credit Card is ideal for those who want to enjoy the benefits offered by a credit card, without having to pay a huge amount of money as an annual fee for the card. The process of applying for this card is very simple as well.

    Axis Bank Insta Easy Credit Card Features:

    • This card comes with a guaranteed approval feature for those Axis Bank customers who have a Fixed Deposit account with the bank. If you have an FD account with the bank, your application will not be rejected even if your credit score is not very high.
    • This card will offer you with extra security for all your transactions whether you use it at online or regular stores. The increased security offered with this card will help you shop in peace.
    • Apart from a magnetic strip, this credit card from Axis Bank also comes with a Platinum Chip for enhanced security. The chip cannot be easily duplicated and so it can help you to prevent any fraudulent usage of your card.
    • If your card is lost/ stolen and then used for any transactions, you will not be liable for them up to credit limit of your card, thanks to the ZERO Liability feature offered with this card. You will only need to make sure that the lost/ stolen card is reported to the bank immediately.
    • You will earn 6 Edge Loyalty Reward points every time you spend Rs 200 with your card for domestic transactions.
    • You will earn 12 Edge Loyalty Reward points every time you spend Rs 200 with your card for international transactions.
    • You will earn 100 reward points as a bonus the first time you use your credit card for an online transaction.
    • You will earn 2X reward points for all the transactions completed with your card in your birthday month.

    Note - You will not earn any Edge Loyalty Reward Points for fuel transactions. Also, the surcharge waiver offered for fuel transactions does not cover service taxes charged on the transaction amount.

    Axis Bank Insta Easy Credit Card Benefits:

    • You will not have to worry about getting a replacement card in case your card is lost or stolen when you are travelling outside the country as your Insta Credit Card will provide you with access to Global Card Assistance Services offered by Visa International.
    • You will have the flexibility of deciding the credit limit of your card, which can be as high as 80 percent of the fixed deposit amount. If you do not want a high credit limit, you will have the flexibility to opt for a lower limit.
    • You will be able to withdraw up to 100 percent of the credit limit of your card through cash withdrawals.
    • You will enjoy fuel surcharge waiver of 2.5% for all your fuel transactions in the range of Rs 400 – Rs 4,000. In fact, you save up to Rs 400 every month through fuel surcharge waiver.
    • You will enjoy up to 50 days as an interest free period to make payments for your credit card. Thus, if you pay your bill in full within this period, you will not have to pay any interest for your purchases with the card.
    • You can convert your purchases into EMIs and will enjoy the flexibility of paying for them through easy instalments. You can avail this feature for all your transactions valued Rs 2,500 or above and will be able to enjoy a lower interest rate on your purchases.

    Axis Bank Insta Easy Credit Card Eligibility and Documentation:

    Eligibility Criteria:

    • You can apply for this credit card as long you have a fixed deposit account with Axis Bank.
    • The fixed deposit amount should not be less than Rs 20,000 but not more than Rs 25,00,000.
    • You cannot apply for the Insta Easy card if you have a Tax Saver FD, Auto-sweep FD (Flexi-Deposit) or a FD in the name of trust/ company/ society/ HUF.
    • Minors are not eligible for this card.

    Documents Required:

    • You will not need to provide any income proof, identity proof or address proof while applying for this card.
    • Your existing KYC information available with the bank will be used to process your application by the bank.

    Fees and Charges:

    Type of FeeAmount charged
    Joining FeeRs. 500 (it will be reversed if you spend Rs. 5,000 within 45 days of getting the card)
    Annual FeeNone
    Add-on Card or Supplementary Card Joining FeeNone
    Annual Fee for Supplementary or Add-on CardNone
    Finance Charges (Cash and Retail transactions2.50 percent per month or 34.49 percent p.a.
    Cash Withdrawal Fee2.5 percent of the amount withdrawn (Minimum Rs 250)
    Cash Payment FeeRs 100
    Fee for Card Replacement (lost/ stolen/ re-issue)None
    Fee for Duplicate StatementNone
    Late Payment

    Rs. 300, if Payment Due is Rs. 2,000 or below

    Rs. 400 if Payment Due is more than Rs 2,000 and up to Rs 5000

    Rs. 600 if Payment Due is Rs 5001 or above

    Over limit fee3 percent of the over limit amount (Minimum Rs 500)
    Fee for Outstation ChequeNone
    Cheque return Fee or Auto-debit reversal fee due to insufficient FundsRs 300
    Surcharge for Fuel TransactionNone if the value of fuel transaction is between Rs 400 to Rs 4,000, up to an amount of Rs 400 every month.
    Foreign Currency Transaction Fee3.50 percent of the value of the transaction
    Charges for HotlistingNone
    Balance EnquiryNone

    Note – the charges can change on a periodic basis at the sole discretion of the bank. Please contact the customer service team of Axis Bank if you have any questions regarding the fees and other charges associated with your credit card.

    How to redeem loyalty reward points?

    The Edge Loyalty reward points accumulated on your Axis Bank Insta Easy credit card can be redeemed instantly online for a range of gifts offered by the bank. You can redeem the points by logging in to the online banking portal offered by the bank. The points can be redeemed for e-vouchers, deals and discounts from some of the top domestic and international brands. These brands are spread across consumer segments such as Mobile and Telecom, Personal Care, Health and Fitness, Entertainment and FnB, Fashion, Electronics and so on. You can get a fair idea of the gifts available for redemption by accessing the Edge rewards page of Axis Bank.

    Axis Bank Insta Easy Credit Card FAQs:

    1. I do not have an FD account with Axis Bank. How can I apply for the Insta Easy credit card?
    2. In order to apply for this credit card, you will first need to open an FD account with the bank. The amount of fixed deposit should be in the range of Rs 20,000 – Rs Rs 25,00,000. Make sure that you do not apply for a Tax Saver FD or, Auto-sweep FD (Flexi-Deposit), or open a FD in the name of a trust/ company/ society/ HUF as these FD accounts are not eligible for this credit card.

    3. Do I need to provide address proof, income proof and other KYC documents to apply for this credit card?
    4. No, you will not need to provide any KYC documents such as income proof, address proof, residential proof etc. Axis Bank will utilize the information that you have already provided to the bank for your FD account, to process your credit card application.

    5. Is a service charge levied on the fees, finance charges and other charges on the Insta Easy credit card?
    6. Yes, as per the guidelines offered by the Ministry of Finance of the Government of India, a service tax at the current rate of 14% is levied on fees and other finance charges on all type of credit cards issued in the country.

    7. I want to apply for the Insta Easy credit card. Will I be charged a joining fee?
    8. Yes, a joining fee of Rs 500 will be charged when the card is issued to you. However, the amount will be credited to your account if you spend Rs 5,000 within 45 days of receiving the card.

    9. Is there any annual fee charged for the Insta Easy Credit Card?
    10. No, annual fee is not charged for the primary as well as the supplementary cards issued with Axis Bank Insta Easy credit card. However, other fees and charges are levied on the card as applicable.

    Other Top Credit Cards By Axis Bank

    Axis Bank Insta Easy Credit Card Reviews

    • Axis Bank Credit Card
      "Not satisfied with limit"
      0.5 5.0/5 "Blown Away!"
      With AXIS bank i hold a buzz credit card were my card limit is 45000. I am not satisfied with my limit. The have promised me that the amount will be 4 times of my current salary but it was too low. For the past 2 months i am using this card and they are providing some reward points. They have waived off the annual charge of rupees 500.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • Axis Bank Credit Card
      "Easy and comfortable"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with AXIS bank. That was a platinum card were my limit is 94000. The application with AXIS is good. The give reward points. and cash back on fuels. I get discounts on amazon and flipkart. The give 2 movie tickets per month as compliment.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 21, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using Axis bank credit card from last 3 years, the services provided by Axis bank credit card is good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I am okay with the credit limit and i use this credit card for general purposes. I also get good offers like cash back and reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • Axis Bank Credit Card
      "Provide offers"
      0.5 3.0/5 "Satisfactory"
      Axis Bank needs to work on the credit card offers. The card is not that beneficial to me. I am not getting offers on any movie tickets or rewards when compared to the other banks. I am satisfied with the credit limit on the card. An average experience.
      Was this review helpful? 0
      , panchkula
      Reviewed on Nov 21, 2017
    • Axis Bank Credit Card
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      Initially when I have applied for Axis bank credit card, i have got the call back after 2 days then they have sent an executive to collect the documents and then I never got any call back after the documentation process, I have made a follow up and asked the status of the credit card, but they told that the KYC documents are not sufficient to process the credit card and closed the credit card application.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Good card, need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      I am not satisfied with the AXIS Bank Vistara credit card, I am not okay with the credit limit, they need to increase the credit limit. Its just a month I have started using the Axis bank vistara credit card. The rate of interest and the charges are nominal with this Axis bank vistara card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      AXIS credit card is good but monthly interest is high and also their processing fee was also higher for the EMI. I could convert the minimum purchase amount of Rs.3000, however they take Rs.150 as a processing charges with some interest rate.
      Was this review helpful? 0
      , madurai
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Best Credit card"
      0.5 5.0/5 "Blown Away!"
      Among the three Credit Cards I have, this is the one that has good weightage. The card has good limit and also the repayment options are pretty good too. They provide you with good Banking services, and have good customer services. Overall they have been the best Bank for my Credit Card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Credit card with AXIS"
      0.5 4.0/5 "Great!"
      I am using a platinum credit card with AXIS bank. My current limit is 75 thousand but at first it was 50 thousand and later they increased the limit. For EMI conversion they charge CGST and GST. I get reward points for every shopping which is done through this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with Axis bank.The limit on the card is 35,000 and cash limit is 20,000.No annual fees to be paid to hold this card.The net banking and phone banking service is good and I do get reward points for very purchase that i make on this card.
      Was this review helpful? 0
      , ujjain
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Have the axis bank Neo credit card for past 2 years. More than one lakh I have credit limit with this card. I mostly use this card for fuel purpose. The customer support is good with the axis bank credit card department. I would say the neo card is good to use with axis bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Axis bank from last 2.5 years and this is a lifetime free credit card. I have a credit limit of Rs 75000 which is sufficient enough. The services provided by Axis bank is very good when compared to other credit cards. I get good offers like cash back and reward points. I use this credit card mainly for shopping and there are no transaction issues.
      Was this review helpful? 0
      , bhuj
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      The card I had with Axis Bank is a pretty good one. They gave me a good credit limit of Rs.65000 and the option of repayment is pretty easy too. They have good communication and good customer services too. You would exactly know how much Rate of Interest you are paying.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "High rate of interest"
      0.5 3.0/5 "Satisfactory"
      I had a Credit Card with Axis Bank and the experience with Bank was pretty normal. They gave me a pretty normal Credit Limit and also the charges applied on their Bank is quite high. On the brighter side their Banking side is absolute treat to be with.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 20, 2017
    • Axis Bank Credit Card
      "MY zone with AXIS"
      0.5 4.0/5 "Great!"
      I hold a my zone credit card with AXIS bank. For every 100 rupees i am spending they will give 1 point. The customer service and the application with the bank is friendly. I am holding this account for more than 1 year. Easy EMI options were we can convert the amount to installments.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Axis bank provides good services on credit card when compared to all other credit cards, they charge an annual fee which has to be paid every year for this credit card. I am using this credit card from last 5 years. Sometimes, i get good offers like cash back and reward points.. I use this credit card for general purpose and the credit limit is sufficient.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "Reduce the rate of interest"
      0.5 2.0/5 "Expected more"
      Axis bank has given me MY CHOICE credit card. Because the charges are high, I had closed my credit card and it has been submitted to the bank. The customer service and response is better. I would suggest them to reduce the charges and interest rates which would be better.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "Platinum with AXIS"
      0.5 5.0/5 "Blown Away!"
      I am using a platinum credit card with AXIS bank.I am satisfied with my limit.I used to get reward points, and cash back.The customer service and response is appreciable. The application with the bank is more transparent and easy to use. I can recommend the card.
      Was this review helpful? 0
      , guntur
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I hold Vistara Credit Card with Axis Bank around 6 months. The credit limit was satisfactory, they have given me 75K. The services are excellent. The reward points and cash back offers are excellent too. I make the payment through online banking.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • Axis Bank Credit Card
      "Charges has to be minimize"
      0.5 4.0/5 "Great!"
      AXIS is charging more, whenever I convert the amount into an EMI they take high fee. But service is good they are providing good customer oriented service. Even monthly interest is higher than other bank. Credit limit is also good and satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
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