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Insta Easy Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Entry 🏦 Secured / FD Based

Annual Fee

₹0

Base Rate

3.0%

Reward Type

Points

Overview

The Insta Easy Credit Card is a Entry credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 3.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: Lifetime Free
Eligibility: Requires a Fixed Deposit with Axis Bank (Min. ₹20,000). Age: 18-70 years.

Reward Rates & Cashback Rules

  • CATEGORY – International: 6.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
  • Dining Delights 🍽️: Minimum 15% discount at partner restaurants in India via the Axis Bank Dining Delights program.
  • Guaranteed Approval ✅: Guaranteed approval against a Fixed Deposit, no prior credit history required.
  • High Cash Withdrawal Limit 💵: Permits cash withdrawal up to 100% of the credit limit from day one.

Eligibility Criteria

Requires a Fixed Deposit with Axis Bank (Min. ₹20,000). Age: 18-70 years.

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.

🍽️

Dining Delights

Minimum 15% discount at partner restaurants in India via the Axis Bank Dining Delights program.

✅

Guaranteed Approval

Guaranteed approval against a Fixed Deposit, no prior credit history required.

💵

High Cash Withdrawal Limit

Permits cash withdrawal up to 100% of the credit limit from day one.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

International
Reward: 6.0%
6%
Fuel Exclusion
Insurance Exclusion
Rent Exclusion
Wallet Load Exclusion
Government Services Exclusion
Utilities Exclusion
Education Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for Insta Easy Credit Card

Category Insta Easy Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		3.0% 1.0% 1.0% 1.5%
★
Known Rules 		9 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + International — 6.0% Points
  • + Fuel Surcharge Waiver
  • + Dining Delights
  • + Guaranteed Approval
  • + High Cash Withdrawal Limit
✗

Cons

  • − No reward on Fuel
  • − No reward on Insurance
  • − No reward on Rent
  • − No reward on Wallet Load
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9000

Annual Fee

₹0

Net Value

+₹9000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback
  • › Individuals without a salary slip who need an FD-backed card

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

This is a secured card requiring a fixed deposit with Axis Bank, ranging from ₹20,000 to ₹25,00,000. Applicants must be between 18 and 70 years old. No prior credit history is needed.

No, the Axis Bank Insta Easy Credit Card is a lifetime free card with no joining fee and no annual fee.

You earn 3 EDGE points per ₹100 on domestic spends and 6 EDGE points per ₹100 on international spends. Certain categories like fuel, rent, and wallet loads are excluded from earning points.

The credit limit is set at up to 80% of the principal value of your fixed deposit with Axis Bank.

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