Card Image
Axis Bank Insta Easy
Annual Fee
₹199
Rewards/₹100 ⓘ
₹0.10
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
600+
At a Glance
Key Benefits
Instant approval, Rs 199 fee waived on Rs 25K spend, fuel surcharge waiver
Lounge Access
No lounge access
Eligibility
Salaried: Rs 12,000+/month, Age: 21-65, CIBIL: 600+
Quick Details
Annual Fee
₹199
#59
Joining Fee
₹199
#66
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.10
#303
Reward Type Reward Points
Reward Currency Points
Min Credit Score
600+
#8
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹400
Cash Advance Fee 2.50% (min ₹400)
Fee Waiver on Spend ₹25,000/yr
Reward Structure
Base
All Spends
₹0.10 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Quick Analysis
The Axis Bank Axis Bank Insta Easy is a solid credit card option. With an annual fee of ₹199, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹199
- Annual fee waiver on spending ₹25000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is unique about Axis Insta Easy?
This card offers instant digital approval with minimal documentation, ideal for thin-file customers.
Is the annual fee waived?
Yes, the Rs 199 fee is waived on spending Rs 25,000 or more annually.
What is the minimum income requirement?
Minimum monthly income of Rs 12,000 is required.
How fast is the approval?
You can get instant approval within minutes through the Axis Bank app.
Does this card have lounge access?
No, this entry-level card does not offer lounge access.
User Reviews
Ready to Apply for Axis Bank Insta Easy?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.