Axis Flipkart Annual Charges Again?! Time to Close This Card?

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Axis Bank Flipkart Credit Card – Annual Charge Concerns

• I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card.
• I’ve kept the Flipkart card mostly because it was my first credit card, but honestly…
• With the recent devaluation, and because I already have SBI Cashback, HDFC Swiggy, etc., I’m not sure it’s worth keeping anymore.
• Since the annual fee has already been charged this year, is there any room for negotiation?
  
  • Can I request to make it Lifetime Free (LTF)?
  • Or have the charges reversed / compensated via Edge Reward points?
  • Or maybe switch to a better card without a fee?
• I’ve heard Axis is usually rigid with these things, but thought I’d ask.
• If they aren’t willing to accommodate, should I just close it now to avoid unnecessary fees?
• I use the card maybe twice a year, mainly for the ₹120 Swiggy discount, which hardly justifies the yearly cost anymore.
• My current Axis CC portfolio: Flipkart, Myzone -paid; Neo -LTF

Any advice or recent experiences on what’s worked in situations like this would be appreciated!

 

[Anindya98]

Axis Bank Flipkart Credit Card – Annual Charge Concerns

• I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card.
• I’ve kept the Flipkart card mostly because it was my first credit card, but honestly…
• With the recent devaluation, and because I already have SBI Cashback, HDFC Swiggy, etc., I’m not sure it’s worth keeping anymore.
• Since the annual fee has already been charged this year, is there any room for negotiation?

Yes

• • Can I request to make it Lifetime Free (LTF)?

You can try

• • Or have the charges reversed / compensated via Edge Reward points?

They will reverse for sure

• • Or maybe switch to a better card without a fee?

depends on your spending

• I’ve heard Axis is usually rigid with these things, but thought I’d ask.

You can always request someone whether they will give or not it's up to them

• If they aren’t willing to accommodate, should I just close it now to avoid unnecessary fees?

yes

• I use the card maybe twice a year, mainly for the ₹120 Swiggy discount, which hardly justifies the yearly cost anymore.

Closing is the ultimate goal for everyone

• My current Axis CC portfolio: Flipkart, Myzone -paid; Neo -LTF

Any advice or recent experiences on what’s worked in situations like this would be appreciated!

Convert MyZone to LTF first

 

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Convert MyZone to LTF first

Factor in that I already have Neo card which I converted LTF this way previously 1 year ago. Will they take another such request or the card is better closed?

 

[Anindya98]

Factor in that I already have Neo card which I converted LTF this way previously 1 year ago.

MyZone> Neo
So, if you are not using Neo for any particular offers, then close it.

Will they take another such request or the card is better closed?

Yes, they will take the request because most of the time they are offering the card LTF. So, they will do MyZone LTF easily.