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.
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.
|Type of Fee||Amount charged|
|Joining Fee||Rs. 500 (it will be reversed if you spend Rs. 5,000 within 45 days of getting the card)|
|Add-on Card or Supplementary Card Joining Fee||None|
|Annual Fee for Supplementary or Add-on Card||None|
|Finance Charges (Cash and Retail transactions||2.50 percent per month or 34.49 percent p.a.|
|Cash Withdrawal Fee||2.5 percent of the amount withdrawn (Minimum Rs 250)|
|Cash Payment Fee||Rs 100|
|Fee for Card Replacement (lost/ stolen/ re-issue)||None|
|Fee for Duplicate Statement||None|
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 fee||3 percent of the over limit amount (Minimum Rs 500)|
|Fee for Outstation Cheque||None|
|Cheque return Fee or Auto-debit reversal fee due to insufficient Funds||Rs 300|
|Surcharge for Fuel Transaction||None 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 Fee||3.50 percent of the value of the transaction|
|Charges for Hotlisting||None|
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.
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.
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.
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.
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.
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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