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    Axis Bank Insta Easy Credit Card

    We found 1 Axis Bank Insta Easy Credit Card

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    Axis Bank Insta Easy Credit Card

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    Overview:

    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.

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  • Axis Bank Insta Easy Credit Card Reviews

    • Axis Bank Credit Card
      "Useful"
      0.5 3.5/5 "Pretty good"
      I am having the credit card with the Axis bank and the services are fine one with them. Credit limit value is good like its around 1.2 lakh Rupees, which is more than fair enough. Customer service is fine one with the Axis bank credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I would like to say Axis bank credit card is the best one because of the services, interest rate and the offers. Response is good one with the Axis bank credit card . Credit limit value is around 80000 Rupees but its a kind of okay, also there are no advantages.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Nice features and services"
      0.5 5.0/5 "Blown Away!"
      I hold a life time free credit card of Axis bank , also I am happy with the offers like cash back and reward points. There are a lot of offers like online discounts as well and the bank has flexible EMI options too, which makes it more convenient to make the payments.
      Was this review helpful? 0
      , jalgaon
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Since I am holding savings account with Axis bank, they offered me credit card. But I am not happy with the credit card services, because there is no attractive offers and no proper customer service with Axis bank. As I received the card I am holding it.
      Was this review helpful? 0
      , mysore
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I do hold AXIS bank credit card from the last 3 years, I am a long time customer of AXIS. Advantages like I used to get free coupons even their customer service is exceptional with them, also their response too. Online services are fine and there are no worries absolutely.
      Was this review helpful? 0
      , pune
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Helpful & Excellent services"
      0.5 5.0/5 "Blown Away!"
      Axis bank has been very helpful for me on the credit card. I had to pay my bill payments and they helped me pay it on the EMI basis which was very convenient for me. There are other offers on the card and discounts as well. The limit is good and satisfactory.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I am using Axis bank credit card for more than nine years of time. Based on the salary account they have offered me this also they have not much a discounts on the cards which I was expecting but they have good offers and this card is life time free credit card and the credit limit they have offered me is 65000 rupees.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I do have Axis bank credit card from the last two years of time. Its like the normal card and it does not have any specification to mention. Credit limit value is around 1.4 laks Customer service is okay with them and I cant say its much good. Its chargeable card for 500 annually but no discounts on the card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I would like to say Axis bank is best one to get the personal loan , as per my consideration because they are prompt and fast in service. Within three to four days of time , the loan amount got disbursed to my account. Response is good one with them.
      Was this review helpful? 0
      , silchar
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      There are no great offers with this AXIS BANK NEO CREDIT CARD , using this card only for the credit limit. I am using this Neo card for past 1 year. I don't redeem the reward points with this card . I am happy with credit limit, The bill payment is easy to do via net banking.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Very good services"
      0.5 4.0/5 "Great!"
      Axis bank has offered me a credit card and there are no charges taken on it. The features on the card are the normal basic benefits like other banks provide. The statements has always been on time and the details on it is clear as well. The customer support team are helpful.
      Was this review helpful? 0
      , gulbarga
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Better Service"
      0.5 5.0/5 "Blown Away!"
      I received life time free credit card with Axis bank as I have very good balance in my account. The credit limit is satisfactory and I have no issues on it. As I am prompt in the payment I do not have any worries about the rate of interest. Customer service is not really good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2017
    • Axis Bank Credit Card
      "Average card to use"
      0.5 5.0/5 "Blown Away!"
      Hardly a year now since I started to use AXIS MY ZONE credit card. I get ample of benefits from this card like reward points, cash back and fuel surcharge waiver. I also get some additional benefits in shopping offers. It has got a limit of 25k also I am happy using this card. In an nutshell good service provided by AXIS.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 22, 2017
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      For the last 3 years I am using My Choice Credit Card of AXIS. The reward points, cash back points are very much available. There is no fuel surcharge waiver on this card. I am pretty much happy with the credit limit too. Overall AXIS bank provides very good service.
      Was this review helpful? 1
      , delhi
      Reviewed on May 22, 2017
    • Axis Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      Though I am a corporate account holder of Axis bank. I am disappointed with the credit card services. I received a limit of only 25% of my salary, when the committed twice the salary to me. So I cancelled my card. It has not been a good experience and I surely would not recommend them for this product.
      Was this review helpful? 0
      , pune
      Reviewed on May 22, 2017
    • Axis Bank Credit Card
      "Need to improve the credit limit"
      0.5 3.0/5 "Satisfactory"
      I am having the Axis bank credit card and I would like to say that's the best one. There are no worries and the credit limit is not okay for me, also I want to increase it . I would like to suggest that they can increase the credit limit regarding he credit records of past.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2017
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I do hold credit card of Axis bank as well. I do hold a credit card with one more private bank. The credit limit offered by Axis bank is satisfactory and it was per my requirement. I had no issues with the bank till date at any instance. I am very much happy with the service provided by them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2017
    • Axis Bank Credit Card
      "Features are good"
      0.5 4.0/5 "Great!"
      There are no charges for my credit card and I am also happy that there are no issues in using it. The card is accepted all over and the limit the bank has provided has been good enough as well. There are good deals on and off and Axis bank informs me about it too.
      Was this review helpful? 0
      , indore
      Reviewed on May 19, 2017
    • Axis Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with Axis bank and the bank is good at their offers as well. The online banking is good where I can view my credit card transactions and the statements they send me are also clear. There are no charges taken for the card. Overall good.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 19, 2017
    • Axis Bank Credit Card
      "Multi usage card with very good benefits"
      0.5 3.5/5 "Pretty good"
      Holding Axis NEO credit card for past 6 months. I am getting benefits like discounts on dinning, movies, flight tickets booking, on-line shopping are available in this card. The rate of interest is really high , If we pay the bill within the time period then there is no issue with this card. I am happy with the credit limit. They can also upgrade my card and increase the credit limit. Overall am happy to use this NEO card.
      Was this review helpful? 0
      , pune
      Reviewed on May 19, 2017
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