Which card to apply as a 1st Axis card?

[rextg]

Hello Community,
I have opened fd card in ICICI and after 3 months got apay card then after 1 month got coral rupay Ltf.Closed the fd card and opened axis liberty account to get pre-approved offers.Later find out that to get pre-approved you should be a existing cc holder.My current credit age is 6 months old after closing fd card.I don't have any income docs.

Will I get any cc below If I apply next month with my credit profile or should I wait another year?

Will it ask income docs even though there's not any enquiry in the last 3 months?

Which one has high chance of approval ?
1. Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.
2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Thanks in Advance.

 

[NShah]

Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.

Use the link below maybe you will get the option of Apply Now

https://dl.flipkart.com/s/xbaVq3NNNN

2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Apply Myzone or neo cc
Kiwi cc approval rate is very low

 

[cardy]

MyZone or Neo will be best fit for you

 

[sidpsidp is verified member.]

For pre-approved you dont need to be existing cc holder. It totally depends on your trv. Maintain sa balance and you'll get offers from both axis and hdfc.

Icici pretty liberal with cl and le. What is your cl? As you have icici card for 6months, you might get auto LE pretty soon. Then you can try c2c ( but not for hdfc).

 

[sidpsidp is verified member.]

Which one has high chance of approval ?
1. Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.
2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Axis offers Neo, myzone and iocl to everyone. Kiwi /airtel axis approval rate is low.
Why don't you use the fk account of a family member? You can use your pan in their account.

 

[Mruseless]

Axis offers Neo, myzone and iocl to everyone. Kiwi /airtel axis approval rate is low.
Why don't you use the fk account of a family member? You can use your pan in their account.

Fk sucks not worth it if you are not a shopping geek2

 

[Mruseless]

Hello Community,
I have opened fd card in ICICI and after 3 months got apay card then after 1 month got coral rupay Ltf.Closed the fd card and opened axis liberty account to get pre-approved offers.Later find out that to get pre-approved you should be a existing cc holder.My current credit age is 6 months old after closing fd card.I don't have any income docs.

Will I get any cc below If I apply next month with my credit profile or should I wait another year?

Will it ask income docs even though there's not any enquiry in the last 3 months?

Which one has high chance of approval ?
1. Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.
2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Thanks in Advance.

Go for Myzone, otherwise I always suggest people to Try Ace or airtel if they get it

 

[sidpsidp is verified member.]

Fk sucks not worth it if you are not a shopping geek2

Please don't use double negative. 😋

As op has put fk as 1st preference, that's why I said that. And it's not that bad for beginners. you get 1.5% real cb on most normal spends. If you get from pre-approved it's fyf. And if you get from fk site, it's basically 2 Yr free. After couple of months axis gives option to "upgrade ". It's still better than myzone.

Airtel axis is a good card but approval rate is low. With multiple enquiry in such a short history approval rate will be even lower. And if it's rejected there would be some negative impact in score. For beginners, it's always better to apply for card with high approval rate.

 

[Mruseless]

Please don't use double negative. 😋

As op has put fk as 1st preference, that's why I said that. And it's not that bad for beginners. you get 1.5% real cb on most normal spends. If you get from pre-approved it's fyf. And if you get from fk site, it's basically 2 Yr free. After couple of months axis gives option to "upgrade ". It's still better than myzone.

Bro,one upon a time 😜 I have this card but last year I closed this when they removed utility mcc... I never feel that I lost something as I have hdfc payzapp where I get flat 5% cashback on Flipkart gc. Yaa someone want's to enter into axis's Dil then yaa I can say that Flipkart has high approval rate then all the cards mentioned above

 

[Mruseless]

Bro,one upon a time 😜 I have this card but last year I closed this when they removed utility mcc... I never feel that I lost something as I have hdfc payzapp where I get flat 5% cashback on Flipkart gc. Yaa someone want's to enter into axis's Dil then yaa I can say that Flipkart has high approval rate then all the cards mentioned above

Also if you have a good Cibil then I will say ignore Flipkart go with neo,wait for 3 months then apply Myzone Rupay from pre-approved section

 

[sidpsidp is verified member.]

Also if you have a good Cibil then I will say ignore Flipkart go with neo,wait for 3 months then apply Myzone Rupay from pre-approved section

Problem is his history is only 6months (most likely 5 statement) old. How much of that has been reflected in score?
Plus in that short period, he has applied for 3cards and closed the oldest one. This would be his 4th enquiry. Seems like too much activity. Axshit always looks for reason to decline. Pre-approved route with fk or neo is best option.
But if icici hasn't put enquiry for fd and Pre-approved card, then it is different.

 

[Mruseless]

Problem is his history is only 6months (most likely 5 statement) old. How much of that has been reflected in score?
Plus in that short period, he has applied for 3cards and closed the oldest one. This would be his 4th enquiry. Seems like too much activity. Axshit always looks for reason to decline. Pre-approved route with fk or neo is best option.
But if icici hasn't put enquiry for fd and Pre-approved card, then it is different.

I also have axshit with 15k
Afterwards I closed multiple axis card with a year
Flipkart closed
Neo Ltf closed
Freecharege clsoed
Currently having
Myzone Rupay Ltf
NEO RUPAY Ltf

 

[Mruseless]

Problem is his history is only 6months (most likely 5 statement) old. How much of that has been reflected in score?
Plus in that short period, he has applied for 3cards and closed the oldest one. This would be his 4th enquiry. Seems like too much activity. Axshit always looks for reason to decline. Pre-approved route with fk or neo is best option.
But if icici hasn't put enquiry for fd and Pre-approved card, then it is different.

Applied Axis airtel today, thinking to close Neo rupay then apply privelage

 

[prash1161]

Hello Community,
I have opened fd card in ICICI and after 3 months got apay card then after 1 month got coral rupay Ltf.Closed the fd card and opened axis liberty account to get pre-approved offers.Later find out that to get pre-approved you should be a existing cc holder.My current credit age is 6 months old after closing fd card.I don't have any income docs.

Will I get any cc below If I apply next month with my credit profile or should I wait another year?

Will it ask income docs even though there's not any enquiry in the last 3 months?

Which one has high chance of approval ?
1. Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.
2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Thanks in Advance.

Which fd based on ICICI ?
And does it needs bank acc to open fd cc?

 

[Tazact]

I also have axshit with 15k
Afterwards I closed multiple axis card with a year
Flipkart closed
Neo Ltf closed
Freecharege clsoed
Currently having
Myzone Rupay Ltf
NEO RUPAY Ltf

AXSHIT Really 🤭

 

[Tazact]

I also have axshit with 15k
Afterwards I closed multiple axis card with a year
Flipkart closed
Neo Ltf closed
Freecharege clsoed
Currently having
Myzone Rupay Ltf
NEO RUPAY Ltf

Yahan to approve hi ni ho raha 5 Year se 15 application ke baad b 😉

 

[Riya]

Hello Community,
I have opened fd card in ICICI and after 3 months got apay card then after 1 month got coral rupay Ltf.Closed the fd card and opened axis liberty account to get pre-approved offers.Later find out that to get pre-approved you should be a existing cc holder.My current credit age is 6 months old after closing fd card.I don't have any income docs.

Will I get any cc below If I apply next month with my credit profile or should I wait another year?

Will it ask income docs even though there's not any enquiry in the last 3 months?

Which one has high chance of approval ?
1. Flipkart is not allowing me to apply FK axis stating currently not eligible since I don't use FK much.
2.Axis Neo
3.Axis MyZone
4.AXIS KIWI

Thanks in Advance.

Although you are very much a newborn in world of credit cards, so it is advisable to strengthen your credit history a bit before applying to someone like Axis Bank because they are notorious for rejecting cards without any reason... if approved then good but if rejected then your newbie CIBIL score will take eternity to heal up... go for easier banks like indusind or idfc bank... feel free to use my referral link 😉😉

 

[Tazact]

Take FD based Cc at your own risk.
RBL didn't approve me Cc ever - - Made a FD & apply secured card-- CIBIL Hit--Card approved with FD based limit-- Used 2 year--NO CLE & NO Preapproved CC-- Closed the Cc

 

[Tazact]

FD Cc is like double edge sword

 

[theda]

Although you are very much a newborn in world of credit cards, so it is advisable to strengthen your credit history a bit before applying to someone like Axis Bank because they are notorious for rejecting cards without any reason... if approved then good but if rejected then your newbie CIBIL score will take eternity to heal up... go for easier banks like indusind or idfc bank... feel free to use my referral link 😉😉

Madhur bhai your referral link is not working