Axis Bank Insta Easy Credit Card
The Axis Bank Insta Credit Card is a secured credit card applied against the fixed deposit. It is designed for those who want a fixed deposit limit and are not willing to spend beyond that limit. The other features that increase the significance of credit cards are Axis Bank Insta Easy Credit Card is nil annual and joining fee. Best credit card for beginners.s
Features and benefits of Axis Bank Insta Easy Credit Card
- It comes with an easy cash withdrawal facility. The Axis Bank Insta Easy Credit Cardholder is allowed for 100% of cash withdrawal.
- Enjoys 1% fuel surcharge waiver between Rs 400-Rs 4000
- The credit limit available in Insta Easy credit card is 80% of the Fixed Deposit’s principal value.
- 15% discount on dining at partnered restaurants in India.
- Easy conversion of purchases into EMIs. You can convert your purchases into EMI on transactions above Rs.2,500.
The reward program of Axis Bank Insta Easy Credit Card
- 6 Reward Points on each Rs.200 spent
- 12 Reward Points on international spending of Rs.200
- 100 points on the first transaction
- Guaranteed Approval – Any application for the Axis Bank Insta Easy Credit Card is guaranteed approval.
The eligibility criteria to apply for Axis Bank Insta Easy Credit Card:
- You must be having a fixed deposit at any of the Axis Bank branch
- The minimum fixed deposit is Rs 25000, and the maximum fixed deposit is Rs 2500,000
- The minimum age to apply for a credit card is 18 years and the maximum is 70 years.
- Should be either Indian or NRI
The documents required to apply for Axis Bank Insta Easy Credit Card:
Both Self-employed and Salaried
- Completed application form
- Passport-size photographs
- Proof of identity (copy of PAN, Aadhaar, passport, etc.)
- Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)
Salaried- Income proof
- Latest salary slips
- Form 16
- Bank statements
Self-employed- Income Proof
- Income proof
- Statement of accounts
- Proof of business
Axis Bank Fee and Charges
| Joining Fee |
NIL |
| Annual fee |
NIL |
| Add-on Card Annual Fee |
NIL |
| Card Replacement Fee |
waived |
| Finance Charges |
2.5% per month |
| Cash withdrawal Fee |
2.5% or Min. Rs. 500 |
| Overlimit Penalty |
3% of over limit amount
|
| Foreign Currency Transaction Fee |
3.5% of the value of the transaction on the card |
| Late Payment Fee |
Nil if Total Payment Due is up to Rs. 300
Rs. 100 if total payment due is between Rs. 301 – Rs. 500
Rs. 500 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 750 if total payment due is between Rs. 1,001 – Rs. 10,000
Rs. 950 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1000 if total payment due is between Rs. 25,001 and 50,000
Rs. 1200 if total payment due is greater than Rs.50,000 |
How to apply Axis Bank Credit Card on their official website?
- Visit the official website of ‘ Axis Bank’
- Click on the ‘Credit Cards’
- Click on the ‘Apply Now’ button
- Fill in your personal and income details
- Submit the application
- The executive will come to pick the necessary documents
- The bank would verify the details properly before approving the application
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