Only Premium & Super Premium Cards Discussion

[D7162]

I really wanted a Reserve for my int'l trip. Despite being a Burgundy Salary holder both my RM and the Axis gentleman here refused to apply saying 4th card will not be approved. I hold Magnus, Select and Atlas. This 3 card rule is very stupid when any which ways they are distributing their overall customer limit across the cards. One can't spend beyond capacity. I am surprised reading this thread on 4th card being processed. Don't know what tier to get into to get a Reserve or a Samsung card if needed without disturbing the other cards.

I like ICICI in this matter - you can take each and every card they have

 

[RewardsAlert]

I really wanted a Reserve for my int'l trip. Despite being a Burgundy Salary holder both my RM and the Axis gentleman here refused to apply saying 4th card will not be approved. I hold Magnus, Select and Atlas. This 3 card rule is very stupid when any which ways they are distributing their overall customer limit across the cards. One can't spend beyond capacity. I am surprised reading this thread on 4th card being processed. Don't know what tier to get into to get a Reserve or a Samsung card if needed without disturbing the other cards.

Let me give you an understanding about the thought process behind this policy.
Shared by someone from the bank's end.

In Axis there are three reward platform:
1. Edge Reward - Magnus, Reserve, Myzone, Privilege, Select, etc.
2. Edge Miles - Atlas
3. Cashback - Ace, Airtel, Flipkart, Freecharge, etc.

As per them, it's sufficient for every customer to own one card from every reward platform.
Hence they are adamant on providing 3 cards. But for 4th card, some people like @jack333 got it with luck.

Some other like @anirban.choudhury got it with approval.
No, one can predict your luck, so better to take approval for avoiding Enquiry.
If your RM/BM is not allowing 4th approval, you either show him some fear of moving your account to other bank/branch, and closing your relations. Negotiations skill cannot be taught straightforwardly.

 

[anirban.choudhuryanirban.choudhury is verified member.]

I really wanted a Reserve for my int'l trip. Despite being a Burgundy Salary holder both my RM and the Axis gentleman here refused to apply saying 4th card will not be approved. I hold Magnus, Select and Atlas. This 3 card rule is very stupid when any which ways they are distributing their overall customer limit across the cards. One can't spend beyond capacity. I am surprised reading this thread on 4th card being processed. Don't know what tier to get into to get a Reserve or a Samsung card if needed without disturbing the other cards.

I will share a trick , it’s a hit and trial method . Someone I know got his 4th card using this trick .
temporarily block your select card , apply for 4th card either online or offline , keep the select card blocked until the card is approved or rejected .
If 4th card gets approved and delivered , post that enable the select card .

This is purely hit and trial method , and only use if card rejection or Cibil hit is not a concern for you.

 

[TheMentalist]

I recently got Magnus a month back. Now, I want to close FK and apply for samsung card. When can I do so?

You can try upgrading FK to Samsung over call anytime, if it's available. Otherwise, can apply offline through an Agent anytime.

 

[rj_arora]

You can try upgrading FK to Samsung over call anytime, if it's available. Otherwise, can apply offline through an Agent anytime.

And what is the expiry of Edge rewards? And if I convert edge rewards to CV points, what's the expiry of CV points? Is it worth it to spend 5.9K to get 30K edge rewards? I think it is, what do u say?

 

[CMGCMG is verified member.]

And what is the expiry of Edge rewards? And if I convert edge rewards to CV points, what's the expiry of CV points? Is it worth it to spend 5.9K to get 30K edge rewards? I think it is, what do u say?

Edge rewards: 3 Years. CV points: 3 Years. Personally, I would not keep the Samsung 30k with Axis. Will transfer it to CV/Accor/ITC

 

[rj_arora]

Edge rewards: 3 Years. CV points: 3 Years. Personally, I would not keep the Samsung 30k with Axis. Will transfer it to CV/Accor/ITC

Got it. I think I should cancel my FK, apply for Samsung inifinite, get 30K within 60 days and then transfer to Club Vistara?

 

[rj_arora]

Got it. I think I should cancel my FK, apply for Samsung inifinite, get 30K within 60 days and then transfer to Club Vistara?

Closed it today. No longer showing in App. When should I apply Samsung one?
@CMG

 

[CMGCMG is verified member.]

Closed it today. No longer showing in App. When should I apply Samsung one?
@CMG

Does customer care issue Samsung card? If they do, you can go that route. Try chatting with few agents.


If not, since there is no waiting period, you can apply now

 

[rj_arora]

Does customer care issue Samsung card? If they do, you can go that route. Try chatting with few agents.


If not, since there is no waiting period, you can apply now

I applied Magnus also via offline agent. Should I ask from him and apply tomorrow?

 

[CMGCMG is verified member.]

I applied Magnus also via offline agent. Should I ask from him and apply tomorrow?

If customer care works, that will be very easy. During the chat itself, you will get the card issued, unless you need a higher limit via C2C.

 

[hireng]

You can try upgrading FK to Samsung over call anytime, if it's available. Otherwise, can apply offline through an Agent anytime.

I've tried this and it doesn't work, they are adamant to apply the samsung card offline/online but no upgrades over phone

 

[rj_arora]

Do the offline Axis agents(bank cc agents) get any incentives to apply the card for us?

 

[VibrantAnkur]

Do the offline Axis agents(bank cc agents) get any incentives to apply the card for us?

They do, depending on the card.

 

[rj_arora]

They do, depending on the card.

How much, for let's say Magnus and Samsung infinite

 

[VibrantAnkur]

How much, for let's say Magnus and Samsung infinite

I don't know the exact figures but the higher the fees, the higher the incentive.

 

[loveshah]

What's more absurd about this rule is, Axis does not even issue an add on card to the person who is holding 3 cards as a primary cardholder. I have 3 Axis credit cards (VI, Select and FK) and I am hoping to get Magnus add on card which I have in my mother's name.
As per my RM, the main decision lies with Axis credit card product team and it is very hard to get the approval from them unless the request comes from a VP level executive or unless you have a substantial ARV with the bank.

 

[CMGCMG is verified member.]

What's more absurd about this rule is, Axis does not even issue an add on card to the person who is holding 3 cards as a primary cardholder. I have 3 Axis credit cards (VI, Select and FK) and I am hoping to get Magnus add on card which I have in my mother's name.
As per my RM, the main decision lies with Axis credit card product team and it is very hard to get the approval from them unless the request comes from a VP level executive or unless you have a substantial ARV with the bank.

Obtaining an addon card as an existing Axis Bank credit card customer is challenging. It's not because of the three-card limit. Even if you have just one card, it will be rejected if you apply without the necessary approvals.

 

[loveshah]

Obtaining an addon card as an existing Axis Bank credit card customer is challenging. It's not because of the three-card limit. Even if you have just one card, it will be rejected if you apply without the necessary approvals.

Not in my case though. Branch had accepted my application in the first visit and I got the SR no next day itself. But apparently it was rejected and cause mentioned was that the applicant already holds 3 cards.