Axis Secured - Path to Unsecured? Timeline & Closure Queries

[joell]

Hey folks,

Looking for some insights regarding Axis Bank credit cards.

I got an Axis Bank MyZone secured credit card about 2 months ago. My main motivation was a specific Axis offer running at the time, but unfortunately, the offer expired before the card actually reached me.

Here's my situation:

• Card: Axis MyZone Secured (2 months old)
• Security: Against a ₹20,000 Fixed Deposit.
• Limit: ₹16,000 (80% of FD).
• Spending: Very low, only about ₹3,000 total over the last 2 months. (Spent 1.6L on other cards). I don't have a significant need for this specific card beyond catching occasional Axis offers.
• Banking Relationship: I also have an Axis Liberty Savings Account, maintaining around ₹32K MAB. I got this account for pre-approved offers, but got a secured card before any. Not many txns nowadays.
• Previous Attempt: I had applied for the Axis Ace card about 7 months ago (before getting the secured card) but was rejected instantly.

I've read on this sub and elsewhere that having a secured card or a good banking relationship with Axis can eventually lead to pre-approved offers or eligibility for their unsecured cards.

My questions are:

1. Timeline for Unsecured/Pre-Approved Offers: Is there a general timeline or pattern observed by others here? How long does Axis usually take (e.g., 6 months, a year of good usage/relationship) before considering secured cardholders or savings account holders for unsecured cards (like Ace, Flipkart, Select etc.)? Does my Liberty account MAB help significantly here?
2. Closing Secured Card: If I do get approved for an unsecured Axis credit card in the future, would I have to close this MyZone secured card? Or can I keep both simultaneously (maybe keep the secured one LTF if possible, just for the credit history)?

Appreciate any insights, experiences, or advice the community can share! Thanks in advance.
I'm a student. But I'm self-employed on my CIBIL.

 

[joell]

I will close it after few days, few days left for completing the 3 months period.

No you can keep the FD card or close it, there is no link with the FD card for unsecured cards

Hey man any updates?

 

[sovon]

Hey man any updates?

Yes I closed the FD card after completing 3 months.
I asked them for unsecured card over call but they said it's not possible to get upgraded offer on FD card.
Still I'm continuing the FD, after closing the card it took nearly 48 hours to remove the lien tag from my fd. Now I can close my FD any time.
No pre-approved offers till now.
But the error issue in the apply page gone now.

 

[joell]

Yes I closed the FD card after completing 3 months.
Still I'm continuing the FD, after closing the card it took nearly 48 hours to remove the lien tag from my fd. Now I can close my FD any time.
No pre-approved offers till now.
But the error issue in the apply page gone now.

Hey man, were you able to see this page?
My application page via the app was also continuously showing errors. Found this page via a referral link.



Does this mean it's pre-approved? or is it fresh application? Will there be income verification? Ive been holding secured Myzone for 4 months now @hender @sovon

 

[hender]

Hey man, were you able to see this page?
My application page via the app was also continuously showing errors. Found this page via a referral link.

View attachment 99590

Does this mean it's pre-approved? or is it fresh application? Will there be income verification? Ive been holding secured Myzone for 4 months now @hender @sovon

Not PRE Approved. It will be treated as -
All formalities related to new application.

 

[joell]

Not PRE Approved. It will be treated as -
All formalities related to new application.

Do you think they'll ask for income proof if you have an account and FD CC with them? How liberal is Axis when it comes to this?

 

[sovon]

Hey man, were you able to see this page?
My application page via the app was also continuously showing errors. Found this page via a referral link.

View attachment 99590

Does this mean it's pre-approved? or is it fresh application? Will there be income verification? Ive been holding secured Myzone for 4 months now @hender @sovon

Applied for a card, but it's going to be rejected, I don't have ITR.

 

[kiwi195]

Hey man, were you able to see this page?
My application page via the app was also continuously showing errors. Found this page via a referral link.

View attachment 99590

Does this mean it's pre-approved? or is it fresh application? Will there be income verification? Ive been holding secured Myzone for 4 months now @hender @sovon

Mind sharing the link with me? Always shows technical error in my app

 

[joell]

Applied for a card, but it's going to be rejected, I don't have ITR.

Did they call and ask for income proof?

 

[sovon]

Did they call and ask for income proof?

Yes got a call within few hours from my branch, they asked for ITR, I told them that I can provide my another card's statement, but they said that card to card option is not showing for me, only ITR is needed. So They told me that they are cancelling my application and I will receive rejection sms within few hours. But even after 2 days no update. So if ITR is not available better to wait for few months.
I should have done the same, already getting pre-approved loan offers so may be after few more months I will get pre-approved card offer also.

 

[joell]

Yes got a call within few hours from my branch, they asked for ITR, I told them that I can provide my another card's statement, but they said that card to card option is not showing for me, only ITR is needed. So They told me that they are cancelling my application and I will receive rejection sms within few hours. But even after 2 days no update. So if ITR is not available better to wait for few months.
I should have done the same, already getting pre-approved loan offers so may be after few more months I will get pre-approved card offer also.

Was the application rejected?

 

[joell]

Not PRE Approved. It will be treated as -
All formalities related to new application.

What about the "FLASH CREDIT CARDS PROCESSED, INSTANTLY". Its just marketing?

 

[sovon]

Was the application rejected?

Yes rejected, asking for 2 years ITR.

 

[sovon]

What about the "FLASH CREDIT CARDS PROCESSED, INSTANTLY". Its just marketing?

I think it's the portal, marketing gimmick.

 

[joell]

Also I recieved a pre-approved loan offer (may be pre-approved offer, I'm not sure) on my account, I opened my account in January,

Hey any preapproved CC after closing secured card?

 

[sovon]

Hey any preapproved CC after closing secured card?

No, Even rejected after applying