Axis Bank Easy Credit Card
The easiest way to start your credit journey
Annual Fee
₹500
Base Rewards
0.1%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Easy Credit Card is a basic, secured card designed primarily for credit building. While it lacks premium features, its 100% cash limit and guaranteed issuance make it a solid 'starter' card.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹100
Year 2+
+₹100
Why get this card
Guaranteed approval against Fixed Deposit without income proof
High cash withdrawal limit up to 100% of the credit limit
Helps in building or repairing credit score for first-time users
Watch out for
Very low reward rate of 0.1% effective value
Requires locking up capital in a Fixed Deposit
No lifestyle benefits like lounge access or movie discounts
Who is this card for?
Best for
first time user
Individuals with no credit history or low CIBIL score who want to start building credit.
Min: ₹5,000/mo
students
Students who have an FD and want the convenience of a credit card for online spends.
Min: ₹2,000/mo
Skip if you're
high spender
Users looking for significant rewards, travel perks, or lounge access.
Base Earning
1 EDGE Reward Points
per ₹200 spent
0.1%
effective rate
Point value: ₹0.20/point
Welcome Offer
No specific welcome bonus points are currently offered for this variant.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank