Axis Bank Insta Easy Credit Card Review

By | April 22, 2021

Axis Bank Insta Easy Credit Card is one of the most basic cards offered by Axis Bank. They offer this card against FD, where your limit for the card is 80% of your FD. There is not much to say about the card; hence, let us see Axis Bank’s offer here.

Fees

Description Charges
Joining FeeNil
Annual Fee Nil
Interest Rate3.5%

* No fee is probably the the best thing about the card.

Eligibility

Axis Bank Insta Easy Credit Card eligibility
  • You can get this card through FD.
  • Hence, Min. FD of Rs.20,000; & Max. of Rs.25,00,000
  • Age should be more than 18 to apply for the card

Axis Bank Insta Easy Rewards

  • 6RP on spending every Rs.200 domestically (~ 0.60%)
  • 12RP on spending Rs.200 internationally (~1.2%)
  • 100 points on first online transaction

1RP = Rs.0.20

The reward rate offered is quite low as and when compared.


Also Read
SBI BPCL Fuel Credit Card Review


How To Apply?

Axis Bank Insta Easy Credit Card how to apply

Apply for the card in the following manner:

  1. You have to visit the Axis Bank website or nearby the Axis Bank branch to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 12 months
    • ITR of an annual year

Our Suggestion

This is an elementary card that offers a fundamental reward rate of 1.2% on international spending and 0.6% on the domestic market.

But the best part about this card is that it comes with no joining fee. Hence you can go for this card if you are looking for the primary card as a beginner.

Features

Axis Bank Insta Easy Credit Card features
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transaction ranging Rs.400-4000 at all fuel stations in the country
  • Dining Delight: 15% off at selected partner restaurants
  • A grace period of 50 days
  • Withdraw up to 100% of your credit limit from day 1.

Strength-Weakness

StrengthWeakness
No joining fees No airport lounge access
Fuel surcharge waiver

Bottom Line

As mentioned earlier, this is one of the basic cards provided by Axis Bank. The reward rate offered is low & no access to an airport lounge is another drawback.

Nowadays, even debit cards are providing similar services. But on the other hand, cards allotted on an FD basis help you improve your credit score. Hence, do good research about cards before applying for any.


FAQ’s

How do I get a Insta Easy card?

To get this card, you have to open an FD with Axis Bank whose Min. is Rs.20,000 or Max. is Rs.25,00,000

What will be the joining fee for Insta easy credit card?

There is no joining fee charged for this card

What is the interest rate charged on the Insta Easy Credit card?

According to guidelines, 14% of interest is charged on credit amount.

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