Axis Bank Insta Easy Credit Card Review 2024: Features, Benefits, Eligibility

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Axis Bank Insta Easy Credit Card Review:

Axis Bank, one of the biggest private sector banks of India  has shown its slogan to be true by making its customers happy and satisfied by availing them all benefits, redeemable rewards, perks, gift vouchers and cash backs through its wide range of credit cards .The bank basically offers more than 11 variants of credit cards of every category that caters to different needs of the customers.

Axis Bank Insta Easy Credit Card Review

So, let us have a brief look at the top10 credit cards offered by Axis bank.

Axis Bank signature Credit card with Lifestyle benefits

Axis Bank Vistara Infinite Credit Card

Axis Bank Miles and More World Credit Card

Axis Bank NEO Credit Card

Axis Bank My Zone Credit Card

Axis Bank Wings Credit Card

Axis Bank Titanium Smart Traveler Credit Card

Axis Bank Insta Easy Credit Card

Flipkart Axis bank Credit card

Axis Bank Prime Platinum Credit Card

In this article our Prime disscusion will be based  on  

Axis Bank Insta Easy Credit Card:

. A chip and PIN-enabled credit card, having a peculiar attribute, that it can be availed only if the customer has a fixed deposit with Axis Bank.

Key Highlights of Axis Bank Insta Easy Credit Card

. 50 day free Credit—— No Extra charges needed on purchase –transactions for up to 50 days.

. High cash withdrawal Cash —–Withdrawal up to 100%of Credit Limit

. Flexible Credit Limit—– Users can get a credit limit of their choice up to a maximum of 80% of the FD Principal value.

. Assured Approval—– Any Application for the credit card is guaranteed approval

. Cash Withdrawal——- up to 100%of Credit Limit

. Fuel surcharge Waiver—— 1% fuel surcharge waiver on all fuel transactions in India. Offers can be availed for Transactions between Rs.400/- and Rs.4000/-.

Dining Delights—— Axis Bank’s Dining Delights offers a minimum of 15% off at partner restaurants in India.

Global Emergency Assistant——- With the Axis Bank Insta credit card users get the Access to Visa International Global Card Assistance Services, with it they can easily report loss of card with the facility of emergency replacement of the card, in overseas.

Secure Your All Spend —— The card is Platinum Chip and PIN Enabled that offers clear authentication of credit payments combined with fraud detection.

 Convert your purchases into EMI—– On transactions above Rs.2500 /- , Users can ask the bank to converts the purchase into EMIs.

EDGE Rewards—— These are points for transactions and 500+ rewards and offers that are redeemable.

Axis add-on credit cards——Users will get 4 add-on cards with their Primary Insta credit card.

Axis Bank Insta Easy Credit Card Fees And Charges

Joining FeesNil
Annual FeesNIL
Finance Charges2.5%p.m (34.49% p.a)
Late Payment FeesLess than Rs.500: nil Rs501/- to Rs 5000/-: Rs 500/- Rs 5001/- to Rs 10,000/- : Rs750/- Greater than Rs 10,000/- : Rs 12,00
Axis EDGE Loyalty Points6 Reward Points On every Rs.200/- spent domestically. 12Rewaerd Point on every rs.200/- spent Internationally. 100 points on first online transaction.   Where, 1 EDGE Loyalty Point Value= Rs.0.20
Foreign Exchange Markup Fee 3.5% Along with Service taxes
Add-on card feeNil
Cash withdrawal Fee2.5% (min-Rs.250/-)_
Card replacement feeNil
Interest rate2.5%p.m
Over limit Fee3% of the over limit amount

Axis Bank Insta Easy Credit Card Eligibility:

  1. Age should be in the range of 18 yrs to 70 yrs
  2. Should have a prior FD of minimum Rs.20, 000/-. (max= 25,00000)
  3. Can be either Indian or NRI
  4. Must be able to produce all needed documents during time of application.

How to apply for Axis Bank Insta Easy Credit Card?

  1. First users need to visit the official site of Axis bank https://www.axisbank.com or they can visit personally to the nearest bank branch.
  2. Fill in the form using all necessary documents.
  3. Then the bank will proceed with the further needed steps.
  4. And finally if all is approved, the credit card will be delivered to the mentioned address within 7- 8 working days.

Axis Bank Insta Easy Credit Card Documents Needed:

Documents needed for ID Proof = PAN card, Passport, Voter-id Card, Aadhaar Card, Driving License Etc required.

Address Proof = Electricity, water, telephone bills or Aadhaar Card.

Income Proof = Latest Copy Of Bank Statement and credit card statement.

All KYC Documents needed.

Axis Bank Insta Easy Credit Card FAQs

What is Global Emergency Assistant?

The credit card offers  Visa International Global Card Assistance Services, with help of  which users can easily report loss of card as well as request for emergency replacement of the card for emergency cash advances .This facilities will be made available to the users in overseas location .  User needs to collect the numbers of the Assistant Emergency Numbers abroad.

What is Chip and PIN enabled card?

The Axis Bank Insta Credit Card , is equipped with the Platinum Chip which offers clear authentication of credit payments combined with easy fraud detection, Also the chip cannot be Duplicated to rule out counterfeiting and skimming makes it safer to user , thus the Chip and PIN  provides additional security.

How to apply for an add-on card?

1) Users need to type ADDON to 5676782, or

2) Submit the duly filled application form along with self –attested KYC documents at one’s nearest bank branch.

3) Lastly download the Application Form.

4) Documents needed for ID Proof = PAN card, Passport, Voter-id Card, Aadhaar Card, Driving License Etc required.

Address Proof = Electricity, water, telephone bills or Aadhaar Card.

Income Proof = Latest Copy Of Bank Statement and credit card statement.

All KYC Documents needed.

What are the benefits of ADD-ON card?

  1. Users can share the credit limit of this card with the Primary card.
  2. No Annual fee.
  3. 1 consolidated Statement for all add-on cards.
  4. Users have chance to earn EDGE Rewards points.
  5. Spouse, Parents, Siblings, Son & daughter (18yrs) can apply for add-on cards.
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