Axis Bank Insta Easy Credit Card: Benefits & Features

Axis Bank Insta Easy Credit Card Benefits & Features

Summary

Today, in the busy lives of today, credit cards are easily inserted in everyday transactions, providing the ease and comfort of money used for buying stuff online to even emergency payments. In consideration of the shifting needs of their clients, Axis Bank now comes with a new product, the Axis Bank Insta Easy Credit Card, combining ease and access for the modern user.

The hallmark of the Axis Bank Insta Easy Credit Card is its no-nonsense approach to application procedures. Even for Axis Bank’s fixed deposit holder, this has proven to be very beneficial, as it is a hassle-free card that comes without the complications of long-drawn paperwork and proof of income with waiting periods in between.

Introduction

Credit cards have become an essential part of our life at present times. Whether it is shopping through the internet, payment to travel agencies for various sorts of travel money, or in urgent conditions of accessing money, credit cards have made all these straightforward. Axis Bank has brought a very special and convenient credit card for its customers – Axis Bank Insta Easy Credit Card.

The specialty of Axis Bank Insta Easy Credit Card is that it is very easy and fast to get it. Axis Bank Insta Easy Credit Card is specially designed for those who want to get the facility of a credit card without much documentation. This has neither a long process nor a waiting time.

Let’s know in detail about Axis Bank Insta Easy Credit Card through this article its benefits and how to apply for it. Let’s also know in detail about it. So, read this article till the end so that you do not face any problems later.

What is the Axis Bank Insta Easy Credit Card?

Credit Card is designed for the fixed deposit holders of Axis Bank. This credit card can be easily procured without proof of income and lengthy processing; hence, it is very easy and convenient to get.

Credit Card is an excellent option for those who want a credit card without worrying about their credit score. The credit limit of Insta Easy Credit Card is decided based on the amount of your Fixed Deposit, which gives the bank the security of your payment.

How is the design of the Insta Easy Credit Card?

The design of the Credit Card gives it a feeling of youthfulness. The credit card is mostly color and sleekly designed with dynamic graphics attractive to young consumers.

The card typically comes in different shades, has an Axis Bank logo, and provides a chip for extra security. The stylish looks will make it visible in your wallet but will also be in line with the lifestyle benefits offered by it, like rewards on shopping, dining, and entertainment.

What are the benefits of the Axis Bank Insta Easy Credit Card?

The main advantages are:

  1. Cashback on Movies: Cashback up to 25% is available on the booking of movie tickets through partner sites.
  1. Discount on Dining: Save 15% at select restaurants across India on dining.
  1. Reward Points: There are 4 reward points available for every ₹200 spent on the card, which can be redeemed in multiple options like gift vouchers, products, and even travel bookings.
  1. Milestone Benefits You spend a threshold amount in one year and garner bonus reward points, so in effect, it gives you increased value for each purchase.
  1. Fuel Surcharge Waiver: You save on fuel expenses as it waives fuel surcharge at all fuel stations across India.
  1. Contactless Payments: The card supports contactless payments. You can do your transactions fast, safely, and with convenience.
  1. EMI Conversion: Convert your big purchases into easy EMIs to manage your finances better.

What are the fees for the Axis Bank Insta Easy Credit Card?

Here is a simple breakup of Credit Card fees.

Joining FeeNIL
Annual FeeNIL
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Insta Easy Credit Card?

The following are the primary requirements:

  1. To apply for the  Axis Bank Insta Easy Credit Card, you must be between 18 and 70 years old.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750.
  1. You must be an Indian resident and have valid address proof within the country.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Insta Easy Credit Card?

The documents that you will have to submit to get an Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months ITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the Axis Bank Insta Easy Credit Card be used?

Here is the list of places where you can use it:

  • With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Axis Bank Insta Easy Credit Card?

The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

How do you apply for an Axis Bank Insta Easy Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the Axis Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the  Axis Bank Insta Easy Credit Card.
  • Just hover your cursor on the  Axis Bank Insta Easy Credit Card, followed by selecting ‘Apply Now‘ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • You can walk into the nearest Axis Bank branch to apply for the Credit Card.
  • Request for the credit card application form of the  Axis Bank Insta Easy Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
  • You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank Insta Easy Credit Card in 2025 be right?

Yes, getting an Axis Bank Insta Easy Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

Insta Easy Credit Card is an excellent choice for those who want to get a credit card with ease and convenience, especially those who have a fixed deposit (FD) with Axis Bank. Credit Card is not only available without any complicated process, but it also comes with various rewards, cashback, and other benefits, making it even more attractive.

With security, flexible credit limit, and no annual fee, Insta Easy Credit Card is a great tool to make your financial life easier. Whether you shop online, pay bills, or need financial support in an emergency, Credit Card helps you in every situation.

Frequently Asked Questions (FAQ’s)

Que: Whether income proof required to get an Axis Bank Insta Easy Credit Card?

Ans: Income proof is not required to obtain an Insta Easy Credit Card. Just in case of a fixed deposit (FD) in Axis Bank, then he can easily take Credit Card.

Que: Is it required to carry a credit score?

Ans: No, Axis Bank Insta Easy Credit Card does not ask for a credit score, as this card is sanctioned based on your fixed deposit.

Ques: Axis Bank Insta Easy Credit Card credit limit gets decided on how basis?

Ans: Credit Card credit limit would be sanctioned considering the amount kept in your FD, which might get extended up to 80% amount of your fixed deposit.

Que: Does Axis Bank Insta Easy Credit Card have any annual fee?

Ans: No, it is a lifetime free credit card with no joining or annual fees.

Que; Can I withdraw 100% cash from Axis Bank Insta Easy Credit Card?

Ans: Yes, you can withdraw 100% cash through Insta Easy Credit Card, which makes it useful in emergencies.

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