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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.

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  • Axis Bank Insta Easy Credit Card Reviews

    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken one more credit card with AXIS bank . They have offered NEO card and I am using it for about 2 years. I have 24/7 helpline number and i have tried using it. The customer service and responses was satisfactory .I would like to rate 5 out of 5 .
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using AXIS credit card for more than 2.5 years. They have offered MY ZONE CARD and the limit was 1,8000lacs. I can take personal loan with out any limit with this card which is an added advantage. Their customer service and responses was satisfactory and I would like to rate 5 out of 5 overall.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Average"
      0.5 2.5/5 "Just OK"
      I have taken credit card with AXIS bank .They have offered Neo card and the credit interest was 2.85lacs. Their interest rate was 7000+gst I have paid 8000 which was really disappointing. I would like to rate 2.5 out of 5 overall . My overall experience was average .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      For past 3 years I use the Axis bank my choice credit card, The credit card services is good with Axis bank. I am happy with the credit limit. I pay the annual fee of Rs.250. The rate of interest and the charges are nominal with this card. I want to close this card because want to continue with SBI credit card.
      Was this review helpful? 0
      , panaji
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Very recently I have received the Axis bank Neo credit cad based on my salaried account. The customer service is average with Axis bank. The rate of interest is nominal with axis bank. I got the Neo card with the very low credit limit, They need to increase the credit limit in future as per the customers requirement. I would say it is good card to use
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Deals and services are excellent"
      0.5 5.0/5 "Blown Away!"
      Axis Bank is good in the customer services on my credit card as well. The team sends me a emails and I even get calls as well about the on going deals. There are decent offers and the credit limit is also the best. There has been no inconvenience til date.
      Was this review helpful? 0
      , agra
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Favourite credit card"
      0.5 5.0/5 "Blown Away!"
      These are all the good points about my STAFF card which I hold with AXIS. As its a corporate credit card there is no question of bill payment the company pays everything. No annual fee, no joining fee nor any finance charges for this card. This card is acceptable at all places and my card is 3 years old.
      Was this review helpful? 0
      , siliguri
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Favourite credit card"
      0.5 5.0/5 "Blown Away!"
      I hold MY ZONE Credit card of AXIS. I do get some special offers and their schemes are very interesting too. I do get some discount on PVR CINEMAS, in addition to that I do get some 5% off at e-commerce sites like flip kart etc. No joining nor any annual fee.
      Was this review helpful? 0
      , siliguri
      Reviewed on Sep 21, 2017
    • Axis Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      Axis bank has offered me a credit card and the card is accessible every where. When ever I use the card I get alerts and it is secure. The billing cycle is convenient for me and there are no hidden charges. I am always informed about the new offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Axis Bank Credit Card
      "GOOD SERVICE"
      0.5 3.5/5 "Pretty good"
      I wont use my AXIS bank credit card much ,still I use to get proper information's from their representatives also the customer service was also very helpful. I use my AXIS bank credit card only for emi purpose ,as my emi service have been connected with my AXIS bank credit card ,overall it was an good service from AXIS .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • Axis Bank Credit Card
      "AXIS Bank credit card"
      0.5 5.0/5 "Blown Away!"
      Till date I did not experience any thing negative with AXIS on my credit card. So far so good. I always pay my bills on time no additional charges being levied, unlike other banks they dont charge any unnecessary charges. I hold MY ZONE credit card with AXIS.
      Was this review helpful? 0
      , nasik
      Reviewed on Sep 20, 2017
    • Axis Bank Credit Card
      "Perfect services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Axis Bank and the offers on the card is good. There are a lot of deals I get online and there are features like the EMI and other cash back offers too. The credit limit is to my satisfaction and there has never been any hidden charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • Axis Bank Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      It was an excellent service from AXIS bank for my credit card service,I even use to get regular offers. Even their representatives where very responsible and very helpful if I have queries regarding their service I use to get immediate solution from them, even I can use my platinum card anywhere I never find any issue with their service till now .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I use the axis bank credit card for past 6 months, The service is very good with the axis bank credit card department. I am happy with the credit limit. The rate of interest is nominal with this card. The annual fee of Rs.400 I pay for this axis bank credit card.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Offers and services are good"
      0.5 5.0/5 "Blown Away!"
      There are no charges for the credit card and Axis bank is doing great on this as well. I get the best of deals and the credit limit is more than satisfactory. The bank send me the statements on time and there are no hassles in baking with them and that is the best of all.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Deals and services are good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Axis Bank and the banking services are great. There are a number of offers and the bank has always been quick in the process and they are very fast to sort out a query. The limit and the offers are perfect and there are no hassles.
      Was this review helpful? 0
      , delhi
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Deals and services are good"
      0.5 5.0/5 "Blown Away!"
      I also bank with Axis bank for a credit card and the bank is doing great in this product. I get the best of deals and the credit limit is also good and more than sufficient for me. There are no charges taken as well. The billing cycle is also good and on time.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "AVERAGE"
      0.5 2.5/5 "Just OK"
      I use Axis credit card. This card is very much convenient for me to use. The credit limit offered by the bank is pretty good and it is satisfactory as per my usage 45000 rupees. The credit card service is good and the bank is really better in terms of providing customer service
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Not satisfactory with the experience"
      0.5 1.0/5 "Really Bad"
      I would not want to recommend Axis Bank for the credit card and I have also cancelled the card. The customer services are not good and the rate of interest is also pretty high. There are no good deals and in all it was not a up to the mark experience.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Sep 19, 2017
    • Axis Bank Credit Card
      "Professional services"
      0.5 5.0/5 "Blown Away!"
      I also bank for a credit card with Axis Bank. The services are good and I get the best of offers and the credit limit is also to my satisfaction. The bank has always been clear in the statements and there are no hidden charges. In all it has always been a professional experience with the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
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