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Axis Bank Insta Easy Credit Card

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Updated: 01-08-2022 07:56:24 AM

Axis Bank Insta Easy Credit Card is a chip and pin enabled credit card that is issued against your Fixed Deposit with Axis Bank. The card is a zero annual fee credit card and is best suited for frequent shoppers. The card works best for people who want a fixed credit limit and don’t wish to pay an annual and joining fee. Read more to know about the card in details.

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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the Axis Bank website.

Features and Benefits of Axis Bank Insta Easy Credit Card
Axis Bank Insta Easy Credit Card- Fees and Charges
Axis Bank Insta Easy Credit Card- Eligibility and Documentation
How to apply for Axis Bank Insta Easy Credit Card?
Axis Bank Insta Easy Credit Card FAQs
Features and Benefits of Axis Bank Insta Easy Credit Card
  • Cash Withdrawal Facility – 100% of cash withdrawal facility on your Insta Easy credit card from day one.
  • Interest Free Period – Grace period of up to 50 days on your transactions made by Insta credit card.
  • Fuel Surcharge Waiver – 1% Fuel Surcharge Waiver on fuel transactions between Rs.400 and Rs. 4,000.
  • Flexible Credit Limit – Insta Easy Credit Card comes with a flexible credit card limit where you can get a credit limit of up to 80% of the FD’s principal value.
  • Dining Discounts – 15% discount on dining at selected partner restaurants in India.
  • Axis eDGE Loyalty Points – Earn reward points in the following manner:
    • 6 Reward Points on every Rs. 200 spent domestically
    • 12 Reward Points on international spends of Rs. 200
    • 100 points on the first online transaction
  • Guaranteed Approval – Any application for the Axis Bank Insta Easy Credit Card is guaranteed approval.
  • Convert Purchases to EMI – You can convert your purchases into EMI on transactions above Rs. 2,500.

Axis Bank Insta Easy Credit Card- Fees and Charges
Fees / ChargesAmount
Joining FeeNil
Annual FeeNil
Finance Charges2.50% per month (34.49% per annum)
Late Payment Fee
  • Nil if Total Payment Due is up to Rs. 300
  • Rs. 100 if total payment due is between Rs. 301 – Rs. 500
  • Rs. 500 if total payment due is between Rs. 501 – Rs. 1,000
  • Rs. 750 if total payment due is between Rs. 1,001 – Rs. 10,000
  • Rs. 950 if total payment due is between Rs. 10,001 – Rs. 25,000
  • Rs. 1000 if total payment due is between Rs. 25,001 and 50,000
  • Rs. 1200 if total payment due is greater than Rs.50,000

Note: Banks reserve the right to change the fees & charges without prior communication.

*Click Here to view the most important terms and conditions.

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Axis Bank Insta Easy Credit Card- Eligibility and Documentation

To apply for Axis Bank Insta Easy Credit Card, you need to meet the following pre-defined eligibility criteria-

  • A Fixed Deposit at any Axis Bank branch
  • Minimum Fixed Deposit of Rs. 20,000; Maximum of Rs. 25,00,000
  • Age should be in the bracket of 18-70 years
  • Should be either Indian or NRI

The card cannot be issued against tax saver FDs, flexi-deposits and fixed deposits in the name of any HUF, society, trust or company.

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Documents Required to apply for Axis Bank Insta Easy Credit Card:

Proof of IdentityPAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of AddressAadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of IncomeLatest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
How to apply for Axis Bank Insta Easy Credit Card?

You can apply Axis Bank Insta Easy Credit Card either on the bank’s website or by visiting the nearest Axis Bank branch. Post submitting your documents, the bank will proceed with your credit card application. Once your documentation is done and your application has been approved, your credit card will be delivered to the mentioned address within 7-10 working days.

Axis Bank Insta Easy Credit Card FAQs

How much FD is required on order to apply for this credit card?

To apply for this credit card, you need to have a fixed deposit in the range of at least Rs. 20,000 to Rs. 25 lakh with Axis Bank

In case I already have a fixed deposit with the bank, do I still need to provide documentation to apply for this card?

No. In that case, you need not provide any KYC documents to apply for this credit card.

What are the late payment charges on this credit card?

The late payment charges on this card are as follows:

  • Nil if Total Payment Due is up to Rs. 300
  • Rs. 100 if total payment due is between Rs. 301 – Rs. 500
  • Rs. 500 if total payment due is between Rs. 501 – Rs. 1,000
  • Rs. 750 if total payment due is between Rs. 1,001 – Rs. 10,000
  • Rs. 950 if total payment due is between Rs. 10,001 – Rs. 25,000
  • Rs. 1000 if total payment due is between Rs. 25,001 and 50,000
  • Rs. 1200 if total payment due is greater than Rs. 50,000

Can minors apply for Axis Bank Insta Easy Credit Card?

No, minors are not eligible for this card.

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