Axis Bank Insta Easy Credit Card

Following are the key highlights of Axis Insta Easy credit card: 

Up to 100% Cash Withdrawal

• Cash withdrawal up to 100% of your credit limit from day one.

Up to 80% Credit Limit

• Get a credit limit of your choice up to a maximum of 80% of the FD principal value.

Reward Points

• Get 100 reward points on your first online transaction.
• Earn 6 reward points on every domestic spend of Rs. 200.
• Earn 12 reward points on every international spend of Rs. 200.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on all fuel transactions in India.
• The offer is valid on transactions between Rs. 400 to Rs. 4,000.
• Maximum benefits available up to Rs. 400 per month.
• GST charged on fuel surcharge is non-refundable.
• No reward points can be earned on fuel transactions.

Up to 50 Days Credit Free Period

• No extra charges on purchase transactions for up to 50 days.
• Benefit applicable only if there is no outstanding on the card account.
• Not applicable to cash transactions.

Dining Delights

• Minimum 15% discount on dining at partner restaurants in India.

Other Benefits

• Any application for the Axis Insta Easy credit card is guaranteed to be approved.
• Convert any transactions above Rs. 2,500 into EMIs.
• Global emergency assistance for reporting a card loss, requesting emergency card replacement & emergency cash advance.
• Easy fraud detection with platinum chip-enabled card.

Fees

• Joining fee: Rs. 3,000 + GST (NIL for Burgundy)
• Annual fee: Rs. 3,000 + GST (NIL for Burgundy)

Axis Bank Insta Easy card involves the following fees and charges:

• Joining fee: Rs. 3,000 + GST (NIL for Burgundy)
• Annual fee: Rs. 3,000 + GST (NIL for Burgundy)
• Joining & annual fees for Add-on card: Nil
• Foreign currency transaction fee: 3.50% of the transaction value
• Finance charges for retail purchases & cash: 3.6% per month (52.86% p.a.)
• Cash withdrawal fees: 2.5% (minimum Rs. 500) of the amount withdrawn
• Overlimit penalty: 2.5% of over the limit amount (minimum Rs. 500)
• Cash payment fee: Rs. 100
• Overdue penalty/ Late payment fee: Up to Rs. 1,200 (depending on the total payment due amount).
• Cheque return/dishonour fee or auto-debit reversal: 2% of the amount (minimum Rs. 450 & maximum Rs. 1,502).
• Surcharge on purchase/cancellation of railway tickets: As prescribed by IRCTC/Indian Railways.
• Rent surcharge fee: 1% of the rental transaction amount (maximum Rs. 1,500 per transaction).
• Dynamic currency conversion markup fee: 1% of each international transaction + taxes.
• GST: As per existing Government norms.

Following are the Axis Bank Insta Easy credit card eligibility in detail:

• The applicant must be above the age of 18.
• The applicant must have a fixed deposit account with Axis Bank.
• The amount in the fixed deposit must be at least 20,000 and a maximum of Rs. 25 Lakhs.
• Tax Saver fixed deposit, Auto-sweep fixed deposit (Flexi-Deposit) or a regular fixed deposit in the name of trust/ company/ society/ HUF will not be applicable.

If you are looking for an Axis Insta Easy credit card, apply online with the following documents:

• You do not need to submit income proof, address proof or identity proof to apply for this card.
• Your existing KYC information with Axis Bank will be used to process the application.

You can apply for an Axis Bank Insta Easy credit card through MyMoneyMantra.

• Click on the "Apply Now" button.
• You will be redirected to the Axis Bank website.
• Choose "Yes" or "No" for existing or new Axis Bank customers.
• Fill in the required details and submit.