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    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

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      0.5 0.5/5 "Unacceptable"
      ONE YEAR BEFORE I HAD ASKED FOR THE BANK AND CUSTOMER CARE EXECUTIVES FOR THE CHANGE OF BILLING DATE.MORE THAN 10 TIMES VISITED TO MAIN BRANCH AND CUSTOMER CARE TEAM ALSO NOT PROVIDING INFORMATION. IT'S EFFECTING YOUR BRAND IMAGE AND LOOSING HOPE DAY BY DAY. VERY STRANGE.
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      , vijayawada
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    • Axis Bank Credit Card
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      , sonepat
      Reviewed on Jul 18, 2017
    • Axis Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Axis bank provided a life time free credit card. The credit limit is quite satisfactory because the bank provided a good credit limit. Also whenever I use the card, the bank is good enough to provide reward points and sometimes cash back offers.
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      , ankleshwar
      Reviewed on Jul 13, 2017
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience with Axis bank when I applied for a credit card was good. Based on my salary account they have offer three credit cards and with good credit limit. The customer support and their response was good the repayment track for the card is about for 50 days.
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      , hisar
      Reviewed on Jul 13, 2017
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Axis bank has also offered me a credit card and they have given me the best of benefits on it. The limit is very good like 1.5 lakhs and they keep upgrading the same. I get all the offers from cash back, to discounts to offers online and the transactions has always been smooth.
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      , hisar
      Reviewed on Jul 13, 2017
    • Axis Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Axis Bank has been good in the credit card services as well. The offers were nice and the overall experience is good. I am continuously offered new deals and the statements are on time and the credit limit is also up to the mark and even their customer support is good.
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      , bhiwadi
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    • Axis Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The additional charges are very high with Axis platinum credit card , The customer service and the response is really good with Axis bank. I am having platinum card for past 4 years with Axis bank. I get benefits like reward points,cash back offers and fuel surcharge waiver in this card, but I am not sure how to use this card because they haven't educate to use those benefits. The rate of interest is nominal with this card.
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      , warangal
      Reviewed on Jul 12, 2017
    • Axis Bank Credit Card
      "Comfortable"
      0.5 4.0/5 "Great!"
      I am using Axis bank credit card for more than three to four years. This is a life time free card. The bank is crediting reward points in to my account so I can redeem those points on shopping. The card is useful for daily usage and it is comfortable.
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      , visakhapatnam
      Reviewed on Jul 12, 2017
    • Axis Bank Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
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      , erode
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      "Very bad on limit"
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      , bankura
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      "Good to use"
      0.5 4.0/5 "Great!"
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      , pune
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    • Axis Bank Credit Card
      "Better card to use"
      0.5 4.5/5 "Excellent!"
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    • Axis Bank Credit Card
      "Convenient"
      0.5 4.0/5 "Great!"
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      , mumbai
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    • Axis Bank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
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      , ahmedabad
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    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 06, 2017
    • Axis Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
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      , mumbai
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    • Axis Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
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      , hyderabad
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    • Axis Bank Credit Card
      "Improves customer service"
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      , chennai
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    • Axis Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Axis Bank is doing good for the credit card as well. There are offers and the credit limit is also sufficient for me. The customer services are good and the statements are up to the mark. I receive it on time and the billing cycle is also comfortable for me.
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      , gurgaon
      Reviewed on Jul 05, 2017
    • Axis Bank Credit Card
      "Offers are good"
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      , chennai
      Reviewed on Jul 05, 2017
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