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Features of Axis Bank Insta Easy Credit Card

  • Secured and Contactless Card Type: The Insta Easy Credit Card is a secured credit card, meaning it’s backed by your Axis Bank FD, eliminating the need for traditional credit checks. This makes it an excellent choice for those new to credit or with limited credit history. The card is equipped with advanced chip-and-PIN technology, providing robust security against fraud and unauthorized use. Additionally, it supports contactless payments, allowing you to tap and pay at NFC-enabled terminals for quick, secure transactions at stores, cafes, or transit hubs. This blend of security and convenience ensures peace of mind for both online and offline purchases. For example, paying for a coffee or grocery run becomes effortless with a simple tap, while the chip ensures your transactions are protected from skimming or cloning attempts.

    Flexible Credit Limit: Your credit limit is determined by your FD’s principal amount, offering up to 80% of its value, with FDs ranging from Rs. 20,000 to Rs. 25 lakh. For example, a Rs. 50,000 FD provides a credit limit of up to Rs. 40,000, while a Rs. 5 lakh FD could offer up to Rs. 4 lakh. This scalability caters to diverse spending needs, from daily expenses like groceries and utility bills to significant purchases such as electronics, furniture, or travel packages. The FD remains locked until the card account is closed or the FD matures, ensuring the bank’s security while giving you ample spending power. Whether you’re a student managing small expenses or a professional funding a vacation, the card’s limit adapts to your financial profile.
Axis Bank Insta Easy Credit Card
    • Full Cash Withdrawal Access: Unlike most credit cards that restrict cash withdrawals to a fraction of the limit, the Insta Easy Credit Card allows you to withdraw 100% of your credit limit from any Visa-enabled ATM worldwide. This feature is a lifesaver in emergencies, such as unexpected medical costs, car repairs, or travel disruptions. For instance, with a Rs. 50,000 credit limit, you can withdraw the full amount to cover urgent needs. A 2.5% fee (minimum Rs. 500) applies per withdrawal, so a Rs. 10,000 withdrawal incurs a Rs. 500 fee. Strategic use of this feature ensures liquidity when you need it most, making it a standout benefit for those who value financial flexibility in unpredictable situations.
    • Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit on purchases, giving you ample time to repay without incurring interest charges. This period depends on your billing cycle and payment due date. For example, a purchase made at the start of the cycle could have nearly two months before repayment is due, allowing you to buy a Rs. 20,000 laptop and pay later without extra costs. This feature is ideal for managing cash flow, especially during tight months or when awaiting a salary or FD interest payout. Note that cash withdrawals do not qualify for this interest-free period, so prioritize purchases to maximize this benefit and keep your finances cost-effective.
    • Fuel Surcharge Waiver: Save on fuel expenses with a 1% surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at fuel stations across India. The waiver is capped at Rs. 400 per billing cycle and applies only if your card has no outstanding balance. For instance, a Rs. 2,000 fuel purchase saves Rs. 20, and monthly fuel spends of Rs. 40,000 could yield the maximum Rs. 400 waiver, saving Rs. 4,800 annually. This perk is perfect for commuters, families with multiple vehicles, or frequent drivers, reducing the cost of daily travel. Whether you’re fueling up for a daily commute or a weekend road trip, this feature adds tangible savings to your routine.
    • Reward Points Program: Earn 6 eDGE Reward Points for every Rs. 100 spent domestically and 12 points for international spends, plus 100 points on your first online transaction. Points are not earned on fuel purchases or cash withdrawals. Redeem points through the Axis eDGE Rewards program for vouchers, merchandise, travel bookings, or bill payments. For example, a Rs. 10,000 domestic spend earns 600 points (worth ~Rs. 120 at 1 point = Rs. 0.20), while a Rs. 10,000 international spend earns 1,200 points (~Rs. 240). A monthly spend of Rs. 20,000 could accumulate 1,200 points, enough for a gift voucher or a discount on your next flight. This rewards structure encourages regular use and adds value to your spending, especially for international travelers or online shoppers.
    • Dining Discounts: Enjoy a minimum 15% discount at thousands of partner restaurants across India through Axis Bank’s Dining Delights program. Discounts vary by restaurant and may require a minimum bill amount. For example, a Rs. 2,000 restaurant bill could save Rs. 300, making dining out more affordable for family dinners, date nights, or business meetings. If you dine out twice a month with an average bill of Rs. 3,000, you could save Rs. 900 monthly. This feature is ideal for food enthusiasts, families, or professionals hosting clients, enhancing your lifestyle without straining your budget. From fine dining to casual eateries, the card elevates your culinary experiences.
    • Add-on Cards for Family: Share the card’s benefits with family members by issuing up to 4 add-on cards for those aged 18 and above. Add-on cardholders enjoy the same rewards, dining discounts, and fuel waivers, with all transactions billed to the primary cardholder’s account. For instance, a family’s combined spending of Rs. 30,000 monthly earns 1,800 points, amplifying reward potential. This feature simplifies expense management, allowing you to track family spending while maximizing benefits. For example, a parent can issue add-on cards to college-going children for their expenses, consolidating bills and rewards under one account.
    • EMI Conversion Option: Convert purchases above Rs. 2,500 into Equated Monthly Installments (EMIs) with tenures from 3 to 24 months. Interest rates (typically 1.5%–2% per month) apply, making large purchases like appliances, furniture, or travel packages more affordable. For example, a Rs. 15,000 purchase can be split into 6 EMIs of ~Rs. 2,700, including interest, easing your budget. Request EMI conversion via Axis Bank’s mobile app or customer care. This feature is perfect for planned expenses, such as buying a new smartphone or funding a family vacation, ensuring big buys don’t disrupt your financial planning.
    • Global Emergency Assistance: Access Visa International’s global emergency assistance for lost or stolen cards, emergency card replacement, or cash advances worldwide. This service is invaluable for travelers, ensuring support in challenging situations. For example, if you lose your card while vacationing in Paris, a quick call to Visa’s helpline can arrange a replacement or emergency funds, keeping your trip on track. Whether you’re in New York, Singapore, or New Delhi, this feature offers peace of mind, making the card a reliable companion for international adventures.
    • Guaranteed Approval: The card’s hallmark is its guaranteed approval for applicants with an eligible Axis Bank FD. No credit score or income proof is required, making it accessible to students, retirees, homemakers, or those with poor credit history. This feature removes traditional barriers, allowing anyone with an FD to enjoy the benefits of a credit card without delay. For instance, a retiree with a Rs. 2 lakh FD can instantly access a Rs. 1.6 lakh credit limit, using the card for travel or medical expenses without worrying about credit checks.
    • Digital Wallet Integration: Link the card to digital wallets like Google Pay, Paytm, or PhonePe for seamless online and in-store payments. This feature supports UPI transactions and NFC-enabled contactless payments, catering to tech-savvy users who prefer cashless options. For example, paying for groceries via Google Pay or ordering food online via Paytm becomes effortless, saving time and effort. Ensure your registered mobile number matches the wallet for smooth integration. This feature aligns with modern payment trends, making the card a convenient choice for everyday transactions.
Axis Insta Easy Benefits

Benefits of Axis Bank Insta Easy Credit Card

  • Guaranteed Approval for All FD Holders:
    The card’s standout benefit is its guaranteed approval for anyone with an eligible Axis Bank FD. Unlike unsecured cards that require a high CIBIL score (typically 700 or above), this card bypasses credit checks, making it accessible to students, retirees, or those with no credit history. For example, a 23-year-old graduate with a Rs. 30,000 FD can get approved instantly, starting their credit journey without hurdles. This accessibility ensures that anyone with an FD can access credit, regardless of their financial background, opening doors to financial empowerment.
  • Credit History Building:
    Using the card responsibly—making purchases and repaying on time—helps build or improve your credit score. Transactions are reported to credit bureaus like CIBIL, establishing a positive credit history. For instance, a young professional using the card for Rs. 15,000 monthly expenses (e.g., groceries, dining, and online shopping) and repaying promptly can boost their CIBIL score within 6–12 months. A higher score improves eligibility for unsecured credit cards, personal loans, or home loans, making the card a stepping stone to broader financial opportunities.
    • Rewards on Spending: Earn 6 EDGE points/Rs.100 (domestic) and 12 points/Rs.100 (international). 100 bonus points on first online transaction.
    • Fuel Savings: 1% surcharge waiver on fuel spends between Rs.400-Rs.4,000 (max Rs.400/month) - saves Rs.4,800 annually if maximized.
    • Dining Discounts: Minimum 15% off at partner restaurants nationwide through Dining Delights program - ideal for food lovers and families.
    • Family Benefits: Issue up to 4 add-on cards to share benefits while consolidating spending and rewards on one statement.
    • EMI Flexibility: Convert large purchases (Rs.2,500+) into manageable EMIs (3-24 months) to ease budget pressure on big-ticket items.
    • Global Acceptance: Visa network enables worldwide usage with emergency assistance services when traveling abroad.
    • Digital Convenience: Link to UPI/wallets, use virtual card for online safety, and manage everything through Axis Mobile app.
    • Cost Savings: No joining/annual fees for Burgundy customers. For others, Rs.3,000 + GST is competitive for a secured card with these benefits.
    • Interest-Free Period: Up to 50 days interest-free on purchases when paying full bill by due date - helps manage cash flow.
    • Security Features: Chip-and-PIN protection, contactless payments with transaction limits, and instant SMS alerts for all transactions.
    • FD Continues Earning Interest: Your fixed deposit continues earning interest at the agreed rate while serving as collateral for the credit card.
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How to Apply for Axis Bank Insta Easy Credit Card

  • 1. Confirm FD Eligibility
    • You must have an active Axis Bank Fixed Deposit in your name
    • FD amount must be between Rs. 20,000 to Rs. 25 lakh
    • Ineligible FDs: Tax Saver FDs, Auto-sweep FDs (Flexi-Deposits), or those held by trusts/companies
    • If you don't have an FD, open one first at any Axis Bank branch or online
  • 2. Online Application (Recommended)
    • Visit LoginToLoans website and navigate to Axis Bank Insta Easy Credit Card page
    • Click "Apply Now" and fill the online application form with personal and FD details
    • Existing Axis Bank customers can use saved KYC details for faster processing
    • Upload required documents (PAN card, address proof if needed)
    • Submit application - approval is typically instant for eligible FD holders
  • 3. Branch Application
    • Visit nearest Axis Bank branch with your FD details and documents
    • Request Insta Easy Credit Card application form from bank staff
    • Submit completed form with copies of PAN card and address proof
    • Bank representative will verify your FD and process application
  • 4. After Approval
    • Card dispatched within 2 working days to your registered address
    • Activate card upon receipt via Axis Mobile app, internet banking or customer care

Eligibility Criteria for Axis Bank Insta Easy Credit Card

  • 1. Fixed Deposit Requirement
    • Must have active Axis Bank FD in applicant's name
    • Minimum FD amount: Rs. 20,000
    • Maximum FD amount: Rs. 25 lakh
    • FD must not be Tax Saver FD, Auto-sweep FD or held by trust/company
  • 2. Age Requirements
    • Primary cardholder must be 18-70 years old
    • Add-on cardholders must be 18+ years old
    • Minors cannot be issued primary or add-on cards
  • 3. Residential Status
    • Open to Indian residents and NRIs
    • NRIs must have eligible FD with Axis Bank in India
    • KYC documents must be valid and current
  • 4. Credit History
    • No minimum credit score required
    • Ideal for those with no credit history or poor credit score
    • Existing defaults or negative marks don't affect eligibility
  • 5. FD Ownership
    • FD must be solely in applicant's name or jointly with Axis Bank
    • FDs held by third parties or organizations don't qualify
    • Joint FD holders can apply separately for individual cards
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Documents Required for Axis Bank Insta Easy Credit Card

  • Identity Proof:
    • PAN Card (mandatory for all credit cards as per RBI guidelines)
    • Additional ID options: Aadhaar Card, Passport, Voter ID, Driving License
    • Must include full name, photo, and date of birth
  • Address Proof (if KYC not updated):
    • Aadhaar Card (with current address)
    • Passport, Voter ID, Driving License (if address is current)
    • Recent utility bill (not older than 3 months) - electricity, water, gas
    • Bank account statement with address (not older than 3 months)
  • FD Details:
    • Axis Bank FD account number
    • FD receipt or statement showing principal amount and tenure
    • Not required for existing Axis Bank customers with visible FD in records
  • Photograph:
    • 1 recent passport-sized color photograph (for branch applications)
    • Not required for online applications with eKYC
    • Plain background preferred
  • Application Form:
    • Duly filled and signed Axis Bank Credit Card Application Form
    • Available at branch or downloadable for offline submission
    • Online applications replace physical form with digital submission
  • Additional for NRIs:
    • Passport copy with visa/OCI details
    • Overseas address proof if current address is foreign
    • PIO/OCI card if applicable

Key Factors for Axis Bank Insta Easy Credit Card

  • FD Lock-In: Your FD remains locked as collateral until card closure or FD maturity. Premature withdrawal may incur penalties.
  • Credit Limit: Up to 80% of FD amount. Rs.20,000 FD gives ~Rs.16,000 limit; Rs.5 lakh FD gives ~Rs.4 lakh limit.
  • Fees: Rs.3,000 + GST joining/annual fee (waived for Burgundy customers). Cash advance fee: 2.5% (min Rs.500).
  • Rewards: 6 EDGE points/Rs.100 (domestic), 12/Rs.100 (international). No rewards on fuel, cash withdrawals.
  • Interest Rates: ~3% monthly (42.58% annually) on unpaid balances. EMIs at 1.5%-2% monthly interest.
  • Fuel Waiver: 1% surcharge waiver (Rs.400-Rs.4,000 transactions) only when card has no outstanding balance.
  • Cash Withdrawal: Access 100% of limit at ATMs (unlike most cards) but 2.5% fee applies.
  • Credit Building: Regular usage and on-time payments reported to CIBIL help establish credit history.
  • Digital Features: Supports UPI/wallets, virtual card for online safety, Axis Mobile app management.
  • Global Use: Visa network enables worldwide acceptance with emergency assistance services.
  • FD Interest: Your FD continues earning interest at agreed rate while serving as collateral.
  • Add-on Cards: Issue up to 4 add-on cards to share benefits while consolidating spending.
  • EMI Option: Convert purchases >Rs.2,500 into 3-24 month EMIs (1.5%-2% monthly interest).
  • Exclusions: No rewards on fuel, wallet loads, cash advances, EMI conversions.
Is a Fixed Deposit mandatory for the Axis Bank Insta Easy Credit Card?
Yes, you need an active Axis Bank FD in your name, with a principal amount between Rs. 20,000 and Rs. 25 lakh. Ineligible FDs include Tax Saver FDs, Auto-sweep FDs, or those held by trusts, companies, societies, or HUFs. The FD acts as collateral, ensuring guaranteed approval without credit checks.
Do I need a credit score to apply for this card?
No, the card offers guaranteed approval based on your FD, making it ideal for those with no credit history, low CIBIL scores, or past credit issues. This accessibility sets it apart from unsecured cards that require a score of 700 or higher.
What is the credit limit on the Insta Easy Credit Card?
The credit limit is up to 80% of your FD’s principal amount, ranging from Rs. 16,000 (for a Rs. 20,000 FD) to Rs. 20 lakh (for a Rs. 25 lakh FD). For example, a Rs. 1 lakh FD provides a limit of up to Rs. 80,000, scalable to your needs.
Can I withdraw cash using this card?
Yes, you can withdraw 100% of your credit limit from any Visa-enabled ATM worldwide, a rare feature among credit cards. A 2.5% fee (minimum Rs. 500) applies per withdrawal. For instance, withdrawing Rs. 10,000 costs Rs. 500, making it ideal for emergencies.
How do the reward points work, and how can I redeem them?
Earn 6 eDGE Reward Points per Rs. 100 spent domestically, 12 points per Rs. 100 internationally, and 100 points on your first online transaction. Points are not earned on fuel or cash withdrawals. Redeem points via the Axis eDGE Rewards program for vouchers, merchandise, travel bookings, or bill payments, with 1 point worth approximately Rs. 0.20.
What are the fees associated with the card?
The joining and annual fee is Rs. 3,000 + GST, waived for Burgundy account holders. Other fees include 2.5% for cash withdrawals (minimum Rs. 500), 2.5% overlimit penalties (minimum Rs. 500), and late payment fees from Rs. 100 to Rs. 1,200, based on the outstanding balance.
Are documents required to apply for the card?
Existing Axis Bank customers with updated KYC (from their FD or savings account) may only need the FD account number. New customers or those with outdated KYC must submit a PAN or Aadhaar card, and possibly address proof like a utility bill.
Is the card accepted internationally?
Yes, as a Visa card, it’s accepted globally at millions of merchants and ATMs. You earn 12 reward points per Rs. 100 on international spends, and Visa’s global emergency assistance supports lost card replacements or cash advances abroad.
Can I convert my purchases into EMIs?
Yes, purchases above Rs. 2,500 can be converted into EMIs with tenures from 3 to 24 months, with interest rates of 1.5%–2% per month. Request conversion via Axis Bank’s mobile app or customer care. For example, a Rs. 15,000 purchase can be split into 6 EMIs of approximately Rs. 2,700.
How long does it take to receive the card after approval?
After approval, the card is delivered to your registered address within 7–10 working days. You’ll receive an SMS with tracking details, and you can monitor delivery status via LoginToLoans. Contact Axis Bank if delivery is delayed beyond 10 days.

List of Axis Bank Select Credit Card Branches in Karnataka

  • Karnataka (Bangalore - AECS Layout)
  • Karnataka (Bangalore - Agara Ring Road)
  • Karnataka (Bangalore - Akshaya Nagar)
  • Karnataka (Bangalore - Amruthahalli)
  • Karnataka (Bangalore - Anekal)
  • Karnataka (Bangalore - Arekere)
  • Karnataka (Bangalore - Attur Layout)
  • Karnataka (Bangalore - Ayyappa Nagar)
  • Karnataka (Bangalore - Banashankari)
  • Karnataka (Bangalore - Banaswadi)
  • Karnataka (Bangalore - BTM Layout)
  • Karnataka (Bangalore - C V Raman Nagar)
  • Karnataka (Bangalore - Central Silk Board)
  • Karnataka (Bangalore - Cockburn Road)
  • Karnataka (Bangalore - Coxtown)
  • Karnataka (Bangalore - Cunningham Road)
  • Karnataka (Bangalore - Dod Ballapur)
  • Karnataka (Bangalore - Doddaballapur)
  • Karnataka (Bangalore - Domlur)
  • Karnataka (Bangalore - Doorvaninagar)
  • Karnataka (Bangalore - East Gate Mall)