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  • Axis Bank Insta Easy Credit Card

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    Axis Bank Insta Easy Credit Card

    The Axis Bank Insta Easy card is one of the few cards which comes with the feature of guaranteed approval from the bank. The only criteria for this card is the applicant must have a fixed deposit with Axis Bank. The card is offered against your fixed deposit with the bank.

    The card offers a wide range of features which include an interest-free period of 50 days, high cash withdrawals along with flexible credit limits. The Insta Easy card offers dining offers along with fuel surcharge waiver and eDGE Loyalty Rewards.

    Key Highlights of the Axis Bank Insta Easy Credit Card
    • The credit limit offered on this card is flexible, up to 80% of the principal amount of the fixed deposit.
    • Cash withdrawals allowed up to 100% of the credit limit given.
    • Interest-free credit is offered for 50 days.
    • This card offers a guaranteed approval due to the fixed deposit with the bank.
    • Get up to 4 add-on cards with your primary Insta Easy credit card.

    Features and Benefits of the Insta Easy Credit Card

    Fuel Benefits
    • 1% fuel surcharge is waived for fuel transactions all over India.
    • The surcharge amount will be refunded to your card.
    • Offer will be only available for transactions between Rs.400 and Rs.4,000.
    Dining Offers:
    • With the Insta Easy credit card, avail a minimum of 15% discount under the 'Dining Delights' program.
    • The offer is available for partner restaurants only. To know more, visit the bank website.
    Global Emergency Assistance
    • Access the Visa International Global Card Assistance Services all over the world.
    • You can report the loss of card, request for an emergency card replacement or emergency cash advance.
    Conversion to EMIs

    Axis Bank Insta Easy Credit Card Limit

    A card limit of your choice is given with this card. The limit is flexible in the case of the Insta Easy card as it is given against your fixed deposit with the bank. Depending on your fixed deposit amount, a maximum of 80% of the principal amount is given as the credit limit for this card.

    Latest Offer Benefits of the Insta Easy Credit Card

    Shopping Offers
    • Enjoy an instant discount of 5% on purchases from Amazon.in.
    • Opt for EMI payments on Bluestar products and get cashback up to 5%.
    • At Sony stores, avail EMI options on a wide range of products and get up to 5% cashback.
    • Benefit from EMI payments on a wide range of products on Flipkart.
    • Opt from a range of tenure options for purchases of products on Snapdeal.
    • Enjoy a cashback of 10% on Apple products.
    • Avail a flat discount of 20% on Firstcry.
    • Benefit from your first purchase made at bigbasket.com with a 20% discount.
    • Get a monthly discount of 15% on your purchases with Rentomojo.
    • On your first order on PharmEasy, get a discount of 25%.
    Dining Offers
    • Get a discount of 20% on your first order on Zomato.
    • Enjoy a discount of Rs.100 on your first order of Rs.400 and above on Swiggy.
    Travel and Hotel Offers
    • Benefit from your travel bookings made on MakeMyTrip with a 25% instant discount on EMI transaction.
    • Save up to Rs.600 on your domestic flight bookings on Ixigo.
    • Avail a discount of flat Rs.100 on your bus bookings above Rs.500 on the Travelyaari website.
    • On your hotel bookings with Fabhotels, get a discount of 25%.
    • Choose from a wide range of tenure options for EMI payments for your travel bookings on Yatra and Goibibo.
    • Get exciting offers on your holiday, flight and hotel bookings with Thomas Cook.
    • Enjoy a discount of Rs.400 on your first flight booking with EasyMyTrip.

    Reward Point Benefits of Axis Bank Insta Easy Card

    EDGE Loyalty Rewards
    • With eDGE Loyalty Rewards, get 6 points for every Rs.200 spent.
    • Avail 12 points for every international spend of Rs.200.
    • For your first online transaction, get 100 points.
    How to Redeem Axis Bank Insta Easy Credit Card reward points?

    You can redeem your Axis eDGE reward points through net banking, mobile app or directly from the Axis eDGE website.

    To redeem the points through net banking, here are the steps which need to be followed:
    • Log in to your net banking account.
    • From the 'Account Summary' page click on Axis eDGE Rewards.
    • Check on the box to accept the Terms and Conditions.
    • Click on 'Redeem Now' and the Rewards Store page will open.
    • From the categories listed, add the reward to the basket and click on 'confirm'.
    • You will receive the reward points you have chosen.

    Fees and Charges of the Axis Bank Insta Easy Credit Card

    Type of Fee Amount
    Standard Joining Fee

    Nil

    Standard Annual Fee

    Nil

    Interest

    2.50% per month

    Add-on Card Joining Fee

    Nil

    Cash Withdrawal Fees

    2.5% (minimum Rs. 250)

    Card Replacement

    Waived

    Fee for Cash Payment

    Rs. 100

    Duplicate Statement Fee

    Waived

    Overdue Penalty or Late Payment Fee

    Nil if Total Payment due is up to Rs. 100

    Total Payment due is between Rs. 101 - Rs. 300 - Rs.100

    Total Payment due is between Rs. 301 - Rs. 1,000 - Rs.300

    Total Payment due is between Rs. 1,001 - Rs. 5,000 - Rs.500

    Total Payment due is between Rs. 5,001 - Rs. 20000 - Rs.600

    Total Payment due is Rs. 20,001 and above - Rs.700

    Over Limit Penalty

    3% of the over limit amount (Minimum of Rs.500)

    Charge-slip Retrieval Fee or Copy Request Fee

    Waived

    Cheque return or dishonour Fee

    Rs.300

    Outstation Cheque Fee

    Waived

    Fuel Transaction Surcharge

    1% of transaction amount (Refunded for fuel transactions between Rs.400 and Rs.4,000)

    Mobile Alerts for Transactions

    Waived

    Foreign Currency Transaction Fee

    3.50% of the transaction value

    Hotlisting Charges

    Nil

    Balance Enquiry Charges

    Waived

    Eligibility for the Axis Bank Insta Easy Credit Card

    • You will be eligible for the card only if you have a fixed deposit account with Axis Bank.
    • The amount in the fixed deposit should be a minimum of 20,000 and a maximum of Rs.25 lakh.
    • Tax Saver FD, Auto-sweep FD (Flexi-Deposit) or an FD in the name of trust/company/society/HUF will not be applicable for this card.
    • The applicant must be above the age of 18.

    Documents Required for the Axis Bank Insta Easy Credit Card

    • Income proof, address proof or identity proof is not required to apply for this card.
    • The existing KYC information with the bank will be used to process the application.

    How to Apply for the Axis Bank Insta Easy Card Online?

    You can apply for the card through the Axis Bank website or at the branch of the bank.

    Another way by which you can apply for this credit card is through BankBazaar. Here are the steps that need to be followed to apply:

    • Click on 'Check Eligibility' on the bank webpage on Bankbazaar.
    • Submit the information when prompted.
    • Upload the documents which are asked during the application process.
    • Once done, use the tracking ID in the 'Track Application' option for your application status.

    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 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.25 lakh. It is important to note that Tax Saver FD or, Auto-sweep FD (Flexi-Deposit), or FD in the name of a trust/company/society/HUF 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 types 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. No, there is no joining fee for this card.

    9. Is there any annual fee charged for the Insta Easy Credit Card?
    10. No, the annual fee is not charged for the primary as well as the supplementary cards issued with Axis Bank Insta Easy 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
      "Basic Card to Use"
      0.5 4.0/5 "Great!"
      The main feature is not found in Axis Bank card which is Cashback, Airport launch facility is not there. Book my show offers is not available for axis bank customers. I have been using this card for 8 years. There is no annual free. It is a life time free card. Petrol Sur charges is waived off in the bill that is the best feature in this card. EMI Option is available. Safe card to use. I have to upgrade the card. Since It is not having much offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 03, 2018
    • Axis Bank
      Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The axis bank credit card has been used for more than 3 years, This card is used for shopping, billing and for others usages. The customer support is good with the axis bank,they give better response to the customers. The credit limit value is low with axis bank card, but still they need to increase the credit limit value. I would say it is an annual fee card.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 30, 2017
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