Axis Bank
Axis Bank Insta Easy Credit Card
An FD-backed secured credit card from Axis Bank designed for beginners and users without credit history. It offers guaranteed approval against Fixed Deposit, reward points, fuel surcharge waiver, dining discounts, and high cash withdrawal limits.
Highlights
Main benefits
- Guaranteed approval against FD
- Helps build CIBIL score
- Up to 80% of FD amount as credit limit
- Up to 100% cash withdrawal facility
- Dining discounts at partner restaurants
- Fuel surcharge waiver available
- Reward points on domestic and international spends
- Interest-free period up to 50 days
Fees
Fees and charges
Joining fee
Usually Nil according to Axis bank, Some third-party portals mention ₹3,000 + GST variant charges depending on card type and customer category
Renewal fee
Usually Nil for standard Insta Easy variant, Some premium Easy variants may carry fees
Annual fee waiver
Not applicable for lifetime free variants
Who can apply
Eligibility
- Indian resident
- Minimum age: 18 years
- Fixed Deposit with Axis Bank required
- Minimum FD amount generally starts from ₹15,000
- No prior credit score required for approval
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Passport-size photo
- Address proof
- Fixed Deposit with Axis Bank
- Basic KYC documents
Process
How to apply
1. Visit Axis Bank website or branch
2. Choose Credit Card Against Fixed Deposit option
3. Verify Aadhaar and PAN
4. Select FD amount and desired card
5. Complete KYC and application
6. Card issued after approval
Value
Reward and cashback structure
Reward rate
6 EDGE Reward Points per ₹200 spent domestically, 12 EDGE Reward Points per ₹200 on international spends, 100 EDGE Reward Points on first online transaction
Cashback
No direct cashback structure, Rewards redeemable through Axis EDGE Rewards program
Good fit
Pros
- Easy approval without income proof
- Good beginner secured card
- High ATM withdrawal flexibility
- Dining benefits included
- Lifetime free variants available
- FD continues earning interest
- Helps improve credit score
Watchouts
Cons
- Reward rate is relatively low compared to modern cashback cards
- No airport lounge access
- Forex markup is high at 3.5%
- Requires FD lien/blocking
- Cashback-focused cards may provide better daily value
- Fee structure may vary by variant/customer category
Related
Related cards
Compare
Compare Cards
| Field | Axis Bank Insta Easy Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | Axis Bank | HDFC Bank |
| Joining fee | Usually Nil according to Axis bank, Some third-party portals mention ₹3,000 + GST variant charges depending on card type and customer category | ₹10,000/- plus Applicable Taxes |
| Renewal fee | Usually Nil for standard Insta Easy variant, Some premium Easy variants may carry fees | ₹10,000/- plus Applicable Taxes |
| Best for | Beginners building credit score, FD-backed guaranteed approval, Users without income proof, Dining discounts, High cash withdrawal flexibility | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | 6 EDGE Reward Points per ₹200 spent domestically, 12 EDGE Reward Points per ₹200 on international spends, 100 EDGE Reward Points on first online transaction |
|
| Cashback | No direct cashback structure, Rewards redeemable through Axis EDGE Rewards program | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | No Included airport lounge access on standard Insta Easy card | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver, Applicable on transactions between ₹400–₹4,000, Maximum benefit ₹400 per statement cycle | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | 100 EDGE Reward Points on first online transaction | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Not applicable for lifetime free variants | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
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| Apply link | Apply | Apply |