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Credit Cards

Insta Easy Credit Card

Get your credit card over-the-counter, with minimal
documentation and guaranteed approval

50 Day Free Credit

Get upto 50 days without any charges*

High Cash Withdrawals

Upto 100%

Flexible Credit Limit

Increase or decrease the limit as per requirement

Assured Approval

Consider the credit card application approved

Features and Benefits

Description Charges
Standard Joining Fee
  • Rs. 500
  • Joining Fee will be reversed upon spends of Rs. 5000 within first 45 days of card issuance
Standard Annual Fee Nil
Standard Add-on Card Joining Fee Nil
Standard Add-on Card Annual Fee Nil
Finance Charges (Retail Purchases & Cash) 2.50% per month(34.49% per annum)
Cash Withdrawal Fees 2.5% (minimum Rs. 250) of the Cash Amount
Fee for Cash Payment Rs. 100/-
Card Replacement (lost or stolen or re-issue) Waived
Emergency Card Replacement Fee when overseas (through VISA) As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee Waived
Overdue Penalty or Late Payment Fee
  • Nil if Total Payment Due is upto Rs. 100
  • Rs . 100 if Total Payment Due is between Rs. 101 - Rs. 300
  • Rs . 300 if Total Payment Due is between Rs. 301 - Rs. 1000
  • Rs . 500 if Total Payment Due is between Rs. 1001 - Rs. 5000
  • Rs . 600 if Total Payment Due is between Rs. 5001 - Rs. 20000
  • Rs . 700 if Total Payment Due is Rs. 20001 and above
Over Limit Penalty 3% of the overlimit amount (Min. Rs 500)
Charge-slip Retrieval Fee or Copy Request Fee Waived
Outstation Cheque Fee Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds Rs.300
Surcharge on purchase or cancellation of Railway Tickets As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge 2.5% of transaction amount or Rs. 10 whichever is higher (Refunded for fuel transactions between Rs. 400 and Rs. 4000. Maximum benefits upto Rs. 400 per month)
Foreign Currency Transaction Fee 3.50% of the transaction value
Mobile Alerts for Transactions Waived
Hotlisting Charges Nil
Balance Enquiry Charges Waived

Charges Structure is subject to change from time to time at sole discretion of Axis Bank.

As per Ministry of Finance guidelines, Service tax as per existing Government norms is being levied on all fees, interests & other charges on all credit cards. No refund shall be provided for Service Tax charged on Fuel Transaction Surcharge.


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