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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

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      "Good service"
      0.5 4.0/5 "Great!"
      I have used the axis bank my zone credit card for the past 2 years and I have closed it , I have lost the wallet and all the cards have been missed by me so that was the reason i haven't applied for it again. The customer support service is good with the Axis bank and they give me good response in regards to credit card services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have used the axis bank my zone credit card for the past 2 years and I have closed it , I have lost the wallet and all the cards have been missed by me so that was the reason i haven't applied for it again. The customer support service is good with the Axis bank and they give me good response in regards to credit card services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have a credit card taken from Axis bank, the card is good with good limit and offers, the annual charges for the card is around Rs. 1,500 which is too high. I am facing some issues with the card in generating my user id and password online, I have called the customer service and they have been responsive I will try again if it doesn't work I have to call them back.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am satisfied with the Axis bank credit card I am using, the credit limit is good what they have offered, so far the experience with the card is also fine. For the first year the annual charges are zero carried forward from second year it will be chargeable and I am OK with that. The services are also fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Great card to have"
      0.5 5.0/5 "Blown Away!"
      I've been using the Axis Bank MyZone Credit card for the past 6 Years,. The card offers 25% discount on Movies anywhere which is an exciting feature of this card. The customer support is also equally good and the bank staff is really helpful and approachable.
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      , navi mumbai
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Axis credit card service is good. They offer me with sufficient credit limit. It is an Life time free card there is no charges for it. The documents process was been smooth. The customer support is prompt with Axis. It was an good experience with Axis credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      Axis credit card service is good. The customer support was been prompt with Axis credit card service. I have been using Axis credit card for the past 2.5 years. The limit they offering me is sufficient for me. Interest and charges was nominal compared to others in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I recently purchased a credit card from Axis bank. I don't have much experience with the service of Axis. The customer support is prompt with Axis. The credit limit is sufficient. Online net banking is easy for navigation with lot of good options. It was an good experience with Axis credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a AXIS bank credit card and i am satisfied with the limit. I get cash back on this card. I get 5% discount on flipkart. There is an annual charge of 500. I am comfortable with both net banking and mobile banking. The customer servie and response with the bank is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • Axis Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Axis bank, its a 7 year old credit card, I had been using it since, till date I find the card to be not completely satisfactory, as the limit is still not good, plus its chargeable and there no much offers in the card. Hence, I find this card to be just an average card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2018
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I bank with Axis Bank for the credit card and I am happy with the process. The billing cycle is convenient for me and there are no issues. The statements are also sent to me on time. There are good offers and the credit limit is to my satisfaction.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 21, 2018
    • Axis Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My credit card was taken with AXIS Bank 1 year back. The credit limit was 1 year and i hod new card. The customer service and responses was good.The charges are nominal so I would like to recommend to other . My overall experience was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 21, 2018
    • Axis Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The Axis bank credit card service is good and I have got the Axis bank buzz credit card around 3 months ago. the customer support service and the response is good with the axis bank. The credit limit value is good with this Axis bank buzz credit card and I am satisfied with it.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "good experience"
      0.5 4.0/5 "Great!"
      I am using Axis Bank credit card since a long time. I am using Axis Bank Net banking to pay the Axis Bank Credit Card bills. I didn't faced any interruptions while am using Axis Bank credit card online like otp issues. I am totally satisfied by their credit limit which is Rs. 90,000/-.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "good experience"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most sector bank AXIS BANK through online partner. There is no annual fee for my card and it is life time free card. I am totally satisfied by their credit limit which is Rs. 30,000. I can feel comfort to use the card in real time also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most sector bank AXIS BANK through online partner. I am totally satisfied by their credit limit which is Rs. 70,000. They are providing a best rewards points in the market.The customer support is good and well responsive.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The offers and the benefits are low with the Axis bank neo credit card. The axis bank took around a month time to deliver the Axis bank neo credit card. The customer support service and the response is good with the axis bank. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "Below Average card to use"
      0.5 3.5/5 "Pretty good"
      The axis bank took too much of time to deliver the AXIS BANK NEO CREDIT CARD. The customer support service and the response was average with axis bank, they were not prompt in their response part. The credit limit value is low with this card and I am not satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have got the AXIS BANK NEO CREDIT CARD within a month time. The customer support service and the response was good with the Axis bank. The credit limit value is good with this AXIS BANK NEO CREDIT CARD and I am satisfied with it. The offers like reward points and cash back offers are available.
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      , new delhi
      Reviewed on Apr 20, 2018
    • Axis Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The axis bank service was good and I got AXIS BANK MY ZONE CREDIT CARD within the promised time. The offers and the benefits are good with this card . The bill payment options are not transparent. I can't track the credit card based on my regular usage.
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      , gurgaon
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