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Axis Bank Insta Easy Credit Card

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Updated: 07-05-2021 09:51:41 AM

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.

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.

On this page

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.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:

  • 6 Reward Points on every Rs.200 spent
  • 12 Reward Points on international spends of Rs.200
  • 100 points on the first 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
Add-on card joining feeNil
Card Replacement FeeWaived
Cash Payment FeeRs.100
Duplicate Statement FeeWaived
Fee for Charge Slip RetrievalWaived
Outstation Cheque FeeWaived
Finance Charges (Retail Purchases and Cash)2.50% per month
Cash Withdrawal Fee2.5% | Min. Rs. 500
Over Limit Penalty3% of the over-limit amount
Cheque Return FeeRs.300
Card replacementWaived
Foreign Currency Transaction Fee3.5% of the value of the transaction on the card
Balance Enquiry ChargesWaived
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.

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.

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.

Please Note: Axis Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.

Axis Bank Credit Card
(4.1/5 ) 636 Reviews
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Jul 3, 2019
4/5
Proud of the Paisabazaar team

I am so proud of the Paisabazaar team who has been so kind and generous with their advice.

Jul 3, 2019
4/5
Perfect credit card

This is the perfect credit card. Would definitely recommend this to all of you!

Jul 3, 2019
4/5
What an amazing credit card

What an amazing credit card. Cannot tell you how lucky I feel to have known about this credit card.

Jul 3, 2019
4/5
Best card from Axis

This is the best card from Axis. Super like for this one. You should try too.

Jul 3, 2019
4/5
Good balance

This credit card has brought such a good balance in my savings. So happy!

Jul 3, 2019
4/5
Simplified my life

I feel so happy about using this credit card. It has simplified my life to such a great extent.

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