Axis Insta Easy Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
The Axis Bank Insta Easy Credit Card is a secured credit card against your fixed deposit offering instant approval, attractive reward points, and fuel surcharge waiver. Enjoy up to 50 days interest-free credit and exclusive dining discounts. Ideal for customers seeking hassle-free credit management with additional security.
Features of Axis Insta Easy Credit Card which makes it unique
Instant Approval
Get approved instantly when you have a fixed deposit with Axis Bank
No waiting time, quick access to credit
Faster than unsecured card approvals
Rewards Structure of Axis Insta Easy Credit Card
Base Reward
baseall transactions excluding fuel
Earn 6 EDGE reward points for every ₹200 spent
International Spend
acceleratedinternational transactions
Double reward points on international spends
Fees & Charges of Axis Insta Easy Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹450 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Nil annual fee
Fee Explanation Standard bank rates apply for overdue amounts and cash transactions.
Detailed Explanation of Axis Insta Easy Credit Card Fees
Late Payment Fee: ₹450 (per incident)
Standard charges apply
Joining Fee: 0 (one-time)
NIL
Annual Fee: 0 (yearly)
NIL
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500
Foreign Currency Transaction Fee: 3.5% (transaction)
Standard forex markup
Additional Features of Axis Insta Easy Credit Card
Chip-enabled card
Provides secure payments with platinum chip technology
Global emergency assistance
Emergency card replacement and cash advance outside India
Welcome Bonus with Axis Insta Easy Credit Card
Welcome Bonus: 100 Reward Points
Bonus Conditions: Applicable on first online transaction only
Application Process for Axis Insta Easy Credit Card
Processing Time
Instant approval
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Axis Bank website or Finanjo portal
Upload KYC and fixed deposit documents
Verification through a call or email
Receive card with instant approval
Required Documents for Axis Insta Easy Credit Card
Fixed Deposit Proof
allAccepted documents:
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Axis Insta Easy Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at retail and fuel merchants
International Acceptance
Accepted globally on Visa network
Online Acceptance
Yes, widely accepted for online payments
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Insta Easy Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Card issued against fixed deposit with Axis Bank
How Approval Is Decided
- Hold an Axis Bank fixed deposit between ₹20,000 and ₹25 Lakhs
- Indian resident aged 18 or above
- No minimum income or credit score requirements
Pros of Axis Insta Easy Credit Card
- Zero joining and annual fee
- Easy and guaranteed approval
- Flexible credit limit against FD
- Attractive rewards and dining discounts
Cons of Axis Insta Easy Credit Card
- Higher forex fees compared to unsecured cards
- Limited benefits beyond fuel and dining categories
Frequently Asked Questions about Axis Insta Easy Credit Card
Is there any joining fee for this card?
No, the Axis Bank Insta Easy Credit Card comes with zero joining fee.
What is the annual fee for this credit card?
There is no annual fee charged on this card.
How is the credit limit determined?
Credit limit is up to 80-90% of your fixed deposit amount with Axis Bank.
Is the card accepted internationally?
Yes, it is accepted globally as it is a Visa card.
Are fuel surcharge waivers included?
Yes, 1% fuel surcharge waiver up to ₹400 per month for eligible fuel transactions.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
