• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Bad expirence with Axis Bank credit card.

  • Thread starter Thread starter ccninja
  • Start date Start date
  • Replies Replies 29
  • Views Views 2K
Apply For Lifetime Free IDFC First Credit Card
C

ccninja

TF Select
So, I have been trying to get Axis Card from last year but the application was keep getting rejected. Same "Internal bank policy" and had almost lost the hope. 2year ago applied for LTF flipkart (Rejected), Applied for MyZone LTF last year (Rejected) and after 1 week of this i applied for Flipkart Paid CC was approved with 15k limit.

However i recently came to know that one of my young friend which just aged 18 and got his PAN got approved for Flipkart Axis card with 55K limit. I had 5L ITR filed yet they were/are rejecting my application and giving approval to youngers with no cibil.

On 9th applied for Myzone LTF and same it is rejected with cibil hit.

I think Axis Bank rarely approves LTF cards so users get paid card either via upgrade or new application.

As i have Flipkart Paid, i can get paid Myzone. This Bank is worst and have filed the complain to rbi ombudsman portal.
 
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
Dragon_slayer said:
Personally never got issues with Axis, maybe because I hold a burgundy account. I actually found their service better than likes of HDFC or some other private banks
Click to expand...
I found ICICI is best, HDFC is also better. I always face issue with Axis. I only have basic 10k mab account with ICICI and HDFC, while axis have liberty account
 
Upvote 0 Downvote
aryanraj said:
So, I have been trying to get Axis Card from last year but the application was keep getting rejected. Same "Internal bank policy" and had almost lost the hope. 2year ago applied for LTF flipkart (Rejected), Applied for MyZone LTF last year (Rejected) and after 1 week of this i applied for Flipkart Paid CC was approved with 15k limit.

However i recently came to know that one of my young friend which just aged 18 and got his PAN got approved for Flipkart Axis card with 55K limit. I had 5L ITR filed yet they were/are rejecting my application and giving approval to youngers with no cibil.

On 9th applied for Myzone LTF and same it is rejected with cibil hit.

I think Axis Bank rarely approves LTF cards so users get paid card either via upgrade or new application.

As i have Flipkart Paid, i can get paid Myzone. This Bank is worst and have filed the complain to rbi ombudsman portal.
Click to expand...
It is better to apply for card through known channel. With Axis, it is a must.
 
Upvote 0 Downvote
aryanraj said:
So, I have been trying to get Axis Card from last year but the application was keep getting rejected. Same "Internal bank policy" and had almost lost the hope. 2year ago applied for LTF flipkart (Rejected), Applied for MyZone LTF last year (Rejected) and after 1 week of this i applied for Flipkart Paid CC was approved with 15k limit.

However i recently came to know that one of my young friend which just aged 18 and got his PAN got approved for Flipkart Axis card with 55K limit. I had 5L ITR filed yet they were/are rejecting my application and giving approval to youngers with no cibil.

On 9th applied for Myzone LTF and same it is rejected with cibil hit.

I think Axis Bank rarely approves LTF cards so users get paid card either via upgrade or new application.

As i have Flipkart Paid, i can get paid Myzone. This Bank is worst and have filed the complain to rbi ombudsman portal.
Click to expand...
Bhai Nothing bad in paying ₹500 per year for this card. As you said, it is right that Axis rarely approves LTF application. But I think we can get enough value from this card against ₹500 paid. I too have 15k limit and a paid Flipkart card. I'm happy with it.

And please don't compare your eligibility with another person. Bank might have found something different in his profile as this type of case is rare.
 
Upvote 0 Downvote
Chaitanya-a said:
Bhai Nothing bad in paying ₹500 per year for this card. As you said, it is right that Axis rarely approves LTF application. But I think we can get enough value from this card against ₹500 paid. I too have 15k limit and a paid Flipkart card. I'm happy with it.

And please don't compare your eligibility with another person. Bank might have found something different in his profile as this type of case is rare.
Click to expand...
I also have Paid Flipkart card with 15K limit and my annual fee is due next month. Initially i was thinking of closing the card, but now I think I am going to keep this card for another year in a hope that I get limit enhancement. Though I have personal laon offer of 105K on the same card.
 
Upvote 0 Downvote
rpawar0703 said:
I also have Paid Flipkart card with 15K limit and my annual fee is due next month. Initially i was thinking of closing the card, but now I think I am going to keep this card for another year in a hope that I get limit enhancement. Though I have personal laon offer of 105K on the same card.
Click to expand...
Currently my usage on this card is mainly for 1.5% Cashback for every other transaction (where I can't get discount). And sometimes on Flipkart as well. For myntra, GVs provide better value.

If you've a card which gives more than 1.5% for general spends, then there's not much value of this card. Otherwise, you can keep it.
 
Upvote 0 Downvote
Chaitanya-a said:
Bhai Nothing bad in paying ₹500 per year for this card. As you said, it is right that Axis rarely approves LTF application. But I think we can get enough value from this card against ₹500 paid. I too have 15k limit and a paid Flipkart card. I'm happy with it.

And please don't compare your eligibility with another person. Bank might have found something different in his profile as this type of case is rare.
Click to expand...
1. Chances are low but it's not that Axis doesn't approve LTF.
2. Yes, comparing approval/limit with someone else makes no sense l.

Ans yes, it's Axis 🤣
 
Upvote 0 Downvote
Chaitanya-a said:
Bhai Nothing bad in paying ₹500 per year for this card. As you said, it is right that Axis rarely approves LTF application. But I think we can get enough value from this card against ₹500 paid. I too have 15k limit and a paid Flipkart card. I'm happy with it.

And please don't compare your eligibility with another person. Bank might have found something different in his profile as this type of case is rare.
Click to expand...
yes nothing is bad in paying a fee but i have HDFC millennia LTF which also gives 5% cashback on Flipkart and Myntra. I only wanted a card to get 10% instant discount.
 
Upvote 0 Downvote
Chaitanya-a said:
Currently my usage on this card is mainly for 1.5% Cashback for every other transaction (where I can't get discount). And sometimes on Flipkart as well. For myntra, GVs provide better value.

If you've a card which gives more than 1.5% for general spends, then there's not much value of this card. Otherwise, you can keep it.
Click to expand...
I have AU LIT and with 2%/5% Features activated it can be better card than this. But only problem is monthly capping of Rs 1000/500.
 
Upvote 0 Downvote
Chaitanya-a said:
Currently my usage on this card is mainly for 1.5% Cashback for every other transaction (where I can't get discount). And sometimes on Flipkart as well. For myntra, GVs provide better value.

If you've a card which gives more than 1.5% for general spends, then there's not much value of this card. Otherwise, you can keep it.
Click to expand...
HDFC Millennia Debit gives 2.5% cashback on online payment. I also have amazon pay cc.
 
Upvote 0 Downvote
aryanraj said:
yes nothing is bad in paying a fee but i have HDFC millennia LTF which also gives 5% cashback on Flipkart and Myntra. I only wanted a card to get 10% instant discount.
Click to expand...
Then you can open Axis Liberty savings bank account and get LTF Myzone if you really want the card.
However I won't suggest this as they charge unnecessary charges.

I would suggest you to try this card for an year and then decide if it is really compensating ₹500 or not. If not, then try another method.
 
Upvote 0 Downvote
Chaitanya-a said:
Yeah then this card is just for Axis specific discounts for you. I personally spend more on Amazon, so Apay card is useful.

Wait for one year and then decide whether it is giving any value to you or not. If not, you can close it. Shayad tab tk LTF ka bhi approval mil jaye.
Click to expand...
Card once issued paid, 99.9% chance it will not convert into LTF. Yes, Axis ACE is only card i think is worth if someone hold HDFC millennia
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

Amit_
  • Question Question
Axis Bank Credit Card Bill Overdue
Replies
4
Views
124
Amit_
Amit_
S
  • Question Question
Axis Bank Credit Card Rejection - Need Advice
Replies
36
Views
1K
IDontThinkSo
IDontThinkSo
friends2b11
  • Question Question
axis bank credit card physical kyc agent trying to sell health insurance policy
Replies
1
Views
130
anandbb
anandbb
Channakya
  • Question Question
Key Rules for Using Axis Bank Credit Cards!
Replies
1
Views
155
6ix9ine
6ix9ine
6ix9ine
  • Question Question
Offer Fulfilled! Axis Bank Credit Card Spend Based Offer – January 2025
Replies
5
Views
351
6ix9ine
6ix9ine
Back
Top