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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.
*Offers are from Paisabazaar's partner Banks & NBFCs.
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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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.4000.
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:
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.
| Fees / Charges | Amount |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on card joining fee | Nil |
| Card Replacement Fee | Waived |
| Cash Payment Fee | Rs.100 |
| Duplicate Statement Fee | Waived |
| Fee for Charge Slip Retrieval | Waived |
| Outstation Cheque Fee | Waived |
| Finance Charges (Retail Purchases and Cash) | 2.50% per month |
| Cash Withdrawal Fee | 2.5% | Min. Rs. 500 |
| Over Limit Penalty | 3% of the over-limit amount |
| Cheque Return Fee | Rs.300 |
| Card replacement | Waived |
| Foreign Currency Transaction Fee | 3.5% of the value of the transaction on the card |
| Balance Enquiry Charges | Waived |
| Late Payment Fee |
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Note: Banks reserve the right to change the fees & charges without prior communication.
To apply for Axis Bank Insta Easy Credit Card, you need to meet the following pre-defined eligibility criteria-
The card cannot be issued against tax saver FDs, flexi-deposits and fixed deposits in the name of any HUF, society, trust or company.
Documents Required to apply for Axis Bank Insta Easy Credit Card:
| Proof of Identity | PAN 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 Address | Aadhaar 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 Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
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.
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:
Can minors apply for Axis Bank Insta Easy Credit Card?
No, minors are not eligible for this card.
I am so proud of the Paisabazaar team who has been so kind and generous with their advice.
This is the perfect credit card. Would definitely recommend this to all of you!
What an amazing credit card. Cannot tell you how lucky I feel to have known about this credit card.
This is the best card from Axis. Super like for this one. You should try too.
This credit card has brought such a good balance in my savings. So happy!
I feel so happy about using this credit card. It has simplified my life to such a great extent.
