Axis Bank Insta Easy Credit Card Review

Axis Bank offers several credit card categories, for different types of customers. And the axis bank insta easy credit card is one of them. It is a secured credit card from Axis Bank, it is a secured credit card that means anyone with a fixed deposit account at Axis Bank can apply for this card. The benefits offered by this axis visa card are reward benefit, dining benefit, fuel surcharge waiver, EMI facility, higher cash withdrawal limit, etc. 

Eligibility to get a credit card against fd in axis bank:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 years. 
    • Income: There is no need to show any income proof, this card can be issued against a fixed deposit account. 
  • For self-employed person:
    • Age: 18 to 70 years. 
    • Income: There is no need to show any income proof, you can get this axis credit card against fd
  • F.D Amount: Min Rs. 20,000 & Max Rs. 25,000. 
  • Good relation with the bank.

Click here to visit the axis bank credit card application tracking page to track your axis bank credit card online application

Required Documents for axis bank insta easy credit card application:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • If your current residential address is the same as recorded in your bank, you don’t need to submit any address proof either.
  • Proof of income statement: You don’t need to provide any Income Proof, you can get this free annual fee credit card only against your F.D account at Axis Bank. 

 Visit our FAQ page to know how to activate axis bank credit card pin both online and offline. 

Axis bank insta easy credit card fees:

  • Joining Fee: None. 
  • Annual Fee: None it is a lifetime free credit card from Axis Bank. 

Benefits of this axis bank no annual fee credit card:

  • Reward benefit:

With this axis bank insta credit card , you can earn reward points from almost every spend you make using this card. On this lifetime free credit card axis bank offers 6 reward points for each Rs. 200 to spend in India and 12 reward points for the same on each axis bank international credit card transaction. 

Also when you complete your first online transaction with this axis fd credit card , you will get 100 bonus reward points. You can redeem your earned reward points very easily against several categories you can find in the axis credit card reward points catalogue.  

  • Dining benefit:

With your axis insta credit card , you can enjoy dining at most of the premium restaurants in India with a minimum 15% discount on your dining bill. This offer is applicable at some partner’s restaurants including KFC, TGI Fridays, The Oriental Blossoms, etc. 

  • Waiver of credit card surcharge on fuel purchase:

With this free credit card axis bank offers a 1% discount on fuel surcharges, this offer is applicable at all fuel stations in India. The transaction amount should be between Rs. 400 to Rs. 4,000. You can get a maximum of Rs. 400 waivers in an Axis credit card bill cycle

  • EMI facility:

With your axis bank insta easy credit card ,  you can convert any purchase over Rs. 2,500 into EMI. This axis bank credit card instant loan feature is very helpful for high-value purchases. Click here for the axis bank credit card calculator, to calculate your axis bank credit card interest rate on emi there.

  • Flexible credit limit:

You can get this axis bank credit card against fd account, and you will get an axis credit card limit of 80% of your F.D value. So you can easily increase credit card limit just by increasing your F.D value. 

  • Big cash withdrawal limit:

This axis bank instant credit card offers a cash withdrawal limit of 100% of your total credit card limit . This feature can be very helpful in emergencies. 

  • Interest-free period:

With this secured credit card , you will get an Interest free period of up to 50 days. The interest-free period is applicable only when there is no payment due. 

  • Emergency assistance: 

If your axis bank fd credit card is lost or stolen, you will get instant assistance from the Global Assistance Service of Visa. You can request emergency axis bank credit card replacement and also for emergency cash which will be delivered to your location. You will have to pay for the service. You can call the axis bank credit card toll free helpline number given below. 

  • EMV chip card:

This fd based credit card axis bank comes with a built-in EMV chip, this chip is specially designed to make your transactions more secure. The axis bank insta easy credit card also comes with 3d security that means you will get an OTP to authenticate and complete your online transactions.

  • Global acceptance:

This axis bank credit card on fd is accepted anywhere in the world. You can use this Axis Bank lifetime free credit card at any outlet or e-commerce site where Visa credit cards are accepted. 

Axis insta easy credit card charges:

Particulars  Payable amount
Cash Withdrawal Charge 2.5% against the withdrawal amount. (min Rs. 500). Check your credit card cash limit before making a withdrawal. 
finance charges in credit card 2.50% monthly or (34.49% annually)
axis bank international credit card transaction charge 3.50% against the transaction amount.
Add-on card fee None.

Contact Details of customer care axis credit card:

Axis credit card toll free no : 1860-419-5555 / 1860-500-5555 or 040-67174100

Axis credit card mail id : creditcards@axisbank.com

100xGain Ratings:

7.5/10

Final Opinion:

Axis Bank Insta Easy Credit Card is one of the best secured credit card in india , and it is best for those who have a very low credit score or no income proof. This axis bank secured credit card is also helpful for those who want to improve their credit score or applying for a credit card for the first time. It offers up to 6 reward points, a minimum 15% discount on dining bills, and up to Rs. 400 fuel surcharge waiver monthly. 

But if you want to explore some similar credit cards, then take a look at some of the similar credit card options given below. 

Alternative Cards: 

  1. American Express Membership Reward Card. (Best for reward point and dining) 
  2. HSBC Advanced Visa Platinum Credit Card. (Best for reward point and dining) 
  3. RBL Classic Platinum Credit Card. (Best for reward benefits) 
  4. Tata Platinum Credit Card. (Best for lounge access and value back points) 

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