Axis Bank Easy Gold
Keep₹100 a year, nothing to join — and Axis has never said what it pays.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Axis Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #645
Why #645 Carried, not valued. The cheapest recurring fee in Axis's whole Schedule of Charges — ₹100 a year, nothing to join — and the bank publishes not one word about what it earns. Two employment-gated variants share the single fee row.
The take
The cheapest card Axis prices. Its row in the Schedule of Charges reads Nil to join and ₹100 a year, which makes it the only Axis card whose two fee columns differ in the reader's favour — everything else on the shelf either charges the same twice or charges nothing at all. That row is also one line covering two separately named products, "AXIS Bank Easy Gold - Salaried" and "Axis Bank Easy Gold Credit Card - Self Employed", so the bank runs two employment-gated versions at one price. Everything else about the card is undocumented. It has no product page — Axis's credit-card directory lists fifty URLs and Easy Gold is not among them — and it is absent from the marketing grid. The only other place the bank's own documents name it is the interest-rate table, where it sits in the secured band at 3.4% a month alongside Insta Easy, My Zone Easy, Privilege Easy and IndianOil Easy. That band is the tell: this is a fixed-deposit card, priced like the rest of Axis's secured family and cheaper than any of them. So we carry it and we do not price it. There is no published reward rate, no lounge clause, no welcome benefit and no fee waiver anywhere in Axis's documents. What we can say is what it costs, which is almost nothing, and what it is: a ₹100-a-year secured card for someone who needs a credit line rather than a rewards programme. The moment Axis publishes an earn table, this page prices itself.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Nil to join and ₹100 a year — the cheapest recurring fee in Axis's Schedule of Charges
- No add-on card fee
- Interest at 3.4% a month, Axis's secured-card band, against 3.75% on its unsecured cards
- Two employment-gated variants, salaried and self-employed, at one price
Watch out
- AXIS PUBLISHES NO REWARD TABLE for this card — we will not print a rate it has not stated
- No product page exists; the card is named only in the MITC's fee row and its interest-rate table
- No lounge clause, no welcome benefit and no fee waiver appear in any Axis document
- The 3.4% interest band it sits in is Axis's secured family, so expect a fixed deposit to be required
- Forex 3.50% — the Indian norm; the card is in none of the MITC's reduced-markup rows
- Axis's whole T&C schedule was revised with effect from 28 August 2026; check the current document before you apply
What these points actually fly
Axis Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
THE ONLY ROW IN AXIS'S WHOLE SCHEDULE OF CHARGES WHERE THE TWO FEE COLUMNS DIFFER IN THE READER'S FAVOUR. Verbatim, spanning two product names on one line: "AXIS Bank Easy Gold - Salaried and Axis Bank Easy Gold Credit Card - Self Employed · Nil · 100 · Nil". A published NIL joining line beside a real ₹100 renewal is our published-nil-fee rule's renewal-only shape, so this card carries `joiningFee: 0`. Two employment-gated variants share the one price. SEARCHED AND NOT FOUND in this document: no annual-fee waiver clause, no reward structure, no lounge clause, and no entry in EITHER half of the fuel-surcharge clause. The card has no product page — Axis's credit-card directory carries fifty URLs and none is Easy Gold.
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.