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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.

    Other Top Credit Cards By Axis Bank

    Axis Bank Insta Easy Credit Card Reviews

    • Axis Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      Axis Bank is good overall and the process and services was good. My documents wast taken on time and the card was dispatched on time too. I receive the PIN only yesterday so I have not used the card yet. The credit limit is satisfactory for me and it is a life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 17, 2018
    • Axis Bank Credit Card
      "Overall good. "
      0.5 4.5/5 "Excellent!"
      I bank with Axis Bank for the credit card. The credit limit is low, but that is okay. There are charges for the card and there are no much options of cards. Even if it is premium card there are no features on the card. There are conversion of EMI and the rate of interest is normal. The billing is also convenient and on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Axis Bank Credit Card
      "Better Credit Card"
      0.5 5.0/5 "Blown Away!"
      AXIS is providing 18% of interest for the transaction, it has same feature as other credit card. I am holding Axis credit card around 3 to 5 years, I didn't face any bill discrepancy, their payment gate is good. Even their system is good to update the payment on same day.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The annual fee is zero to the AXIS MYZONE CREDIT CARD. I use this card for more than 7months. The customer support service is good with the Axis bank and they give better response to the customers. I have got the AXIS MYZONE CREDIT CARD credit card with in 5 days of time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I bank with Axis Bank for the credit card and they provide very good offers and the customer services are also good. There are cash back offers and the reward points are there. The charges are normal and the credit limit is also good. In all no hassles.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Below average card to use"
      0.5 2.0/5 "Expected more"
      The limit is very low with this AXIS BANK NEO CREDIT card . I rarely use this axis bank credit card . The customer support service is average here. The benefits are limited with this Axis bank Neo credit card. The advantages and the reward points structure is very average with this card and there is no annual fee to this card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Okay"
      0.5 2.0/5 "Expected more"
      Have recently received credit card with AXIS bank. The customer service is very good. The annual fee is okay for me. There is no good offers found with the AXIS bank credit card. The limit which is given from AXIS bank to my credit card is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with Axis bank,the limit on the card is more than one lakh,the card has no annual fees to use this card,the card features are good,i use net banking it make payments.The executives responded on time.I get best offers on this card
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Recently received AXIS bank credit card recently. The limit which is given to me is very good. The documents were collected door steps. The executive who came to collect the documents were polite and good. The main purpose of this credit card I am using is for shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Received AXIS bank credit card recently. There was a annual fee with AXIS bank credit card, but it was waived off. The limit which is given to me is not satisfactory. The documents were collected door steps. The executive who came to collect the documents were polite and good.
      Was this review helpful? 0
      , thane
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      Have received a credit card with AXIS bank. The limit which is offered to me is not good. I have upload the documents via online and the executive also came and collected the documents. There is no extra or hidden charges made to my credit card . Flip kart offer is good with AXIS bank credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I hold a credit card from Axis Bank. It is a Neo Credit Card and am using it for past one month. I do everything online and the app is very much convenient. The credit limit was excellent. The customer service was good based on the credit card experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Axis Bank credit card for last 8 months. They are sending the statements regularly to my email address. The service was quick and speed to transfer the money. The Flexi pay option is available on the app. The credit limit was average.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I took my credit card with Axis Bank before 1.5 months through online portal. I get the statements regularly on time and its accessible every where. The customer service and response was good. I am using Axis Neo credit card and they offered me a low credit limit of 40K compared to other cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the axis bank. The competitive and they had understand the customers requirement the axis bank very pressies. The credit limit value is low with this AXIS PRIVILEGE CREDIT CARD and I am not satisfied with the limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I have taken a platinum credit card with Axis Bank and the banking services are good. At times when I make my payments for the EB, I do not get my bill online. Through the other bank cards this does not happen. The limit is good and there are no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Not used because of the low credit limit "
      0.5 3.0/5 "Satisfactory"
      I have got the AXIS BANK NEO CREDIT CARD within the promised time. The customer support service is good withe Axis bank. The credit limit value which I got from the AXIS BANK NEO CREDIT CARD is very less and I would say it lesser than the other cards I use.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Within 7 days of time I have got the AXIS PRIVILEGE CREDIT CARD and I am satisfied with the credit limit value. The customer support service is good with the Axis bank. They came to my place to collect the documents on time. There is annual fee of Rs,499 to this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The credit card process took around 15 days of time. The axis bank has offered me the better credit limit value and i am satisfied with it. I use this AXIS BANK NEO CREDIT CARD online shopping , for purchasing and for other bill payments. I would say it is a good card to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 16, 2018
    • Axis Bank Credit Card
      "Normal credit card"
      0.5 3.0/5 "Satisfactory"
      My experience with the Axis bank credit card is good and the customer service is nominal one. The credit card got disbursed on stipulated time period. Response is an average one with them. Everything is good one with the Axis bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
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