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Axis Bank
Axis Insta Easy Credit Card
RuPay
Axis Insta Easy Credit Card
A fixed-deposit-secured card with lifetime-free fees — the point of this card isn't the reward rate, it's guaranteed approval for anyone with an FD, making it a solid way to build or rebuild credit history.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.6%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
Minimum 15% discount at partner restaurants via Axis Bank Dining Delights
- ✈️ Travel
1.2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- Guaranteed approval and a flexible credit limit up to 80% of an Axis Bank Fixed Deposit (₹20,000–₹25 lakh) — no income proof or credit score required
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- Minimum 15% discount at partner restaurants via Axis Bank Dining Delights
Pros
- + Zero joining/annual fee for life
- + Guaranteed approval regardless of income or credit score
- + 15% off at partner restaurants
Cons
- − Requires locking up an FD for the card limit
- − Reward rate is unremarkable