Axis Bank Easy Gold Credit Card Review: Fees, Rewards & Eligibility

Check out the Axis Bank Easy Gold Credit Card features. Learn about the ₹0 joining fee, reward points, and how to get guaranteed approval against a Fixed Dep...

Vyaya Team · Mar 2026

5 min read

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Value Score

5.5 / 10

Annual Fee

₹100

Best For

credit-builder, student

Network

Visa

Expert Verdict

AXIS BANKVisa

Axis Bank Easy Gold Credit Card

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REWARD SUMMARY

0.2% Base Rewards
The easy way to start your credit journey.

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The Bottom Line

The Axis Bank Easy Gold Credit Card is a functional entry-level secured card. It is best suited for those who are otherwise ineligible for unsecured cards, providing a reliable path to establish a credit history with minimal fees. With a ₹100 annual fee that is waived on ₹50,000 yearly spend, it offers guaranteed approval and 0.2% base rewards. For anyone researching axis bank easy gold credit card, the verdict is simple: conditional.

It earns a base reward rate of 0.2% and stacks best when your spending lines up with credit-builder, student. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.

What we like

+Guaranteed approval against a Fixed Deposit of ₹20,000 or more.

+No income documentation or credit score check required for issuance.

+Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.

+Earn EDGE Reward points on both domestic and international transactions.

What we don't

–Extremely low reward rate of 0.2% on domestic spends.

–No premium benefits like airport lounge access or movie discounts.

–Requires locking up liquidity in a Fixed Deposit to maintain the card.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

credit-builder

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Best value above ₹5,000/month

student

Students with a small savings deposit can get their first credit card without income proof.

Best value above ₹2,000/month

Probably not for

Skip

–

high-spender

The reward structure is too basic for anyone spending more than ₹15,000 monthly.

Is It Worth It For You?

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Reward Rates

Axis Bank Easy Gold Credit Card offers 0.2% basic reward rate.

Quick Calculator

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Where

Amount

₹

Flat 0.2% on all spends

Fees & Charges

Joining fee₹0

Annual fee₹100

Fee waiverSpend > ₹50,000

Eligibility

Guaranteed approval against a Fixed Deposit (FD) with Axis Bank. Minimum FD amount required is ₹20,000. No income proof or credit history is required for the secured variant.

Exclusions & Terms

Wallet Loading

Standard Axis Bank exclusion

Fuel

Eligible for surcharge waiver instead of rewards

Cash Advances

Non-purchase transaction

Frequently Asked Questions

3 data-backed answers from our card database

Is the Axis Bank Easy Gold Credit Card lifetime free?+

No, it has a nominal annual fee of ₹100 from the second year onwards. However, this fee is waived if you spend more than ₹50,000 in the preceding year.

What is the minimum FD required for this card?+

The minimum Fixed Deposit required to avail the Axis Bank Easy Gold Credit Card is ₹20,000.

Does this card offer lounge access?+

No, the Easy Gold variant does not provide any complimentary domestic or international airport lounge access.

Ready to apply?

₹100 fee. Excellent rewards. Apply now securely.

Apply on Axis Bank →

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