I’ve got an Axis Atlas with an ₹12,00,000 limit. Sounds sweet on paper until you try using it. After 3 to 5 transactions in a single day, the card starts getting declined and Axis tells me to wait 48 hours. No warning, no threshold message - just “try again later.”
Asked Axis why this is happening. Their reply (actual gist):
This is absurd and unacceptable. Has anyone else faced this with Axis Atlas (or any other “premium” card)? Share your experience. Also, if you’ve managed to get Axis to remove/relax this nonsense, how did you push it up the chain - branch manager, written escalation, RBI complaint, ombudsman, or social media escalation?
I’m collecting:
Asked Axis why this is happening. Their reply (actual gist):
Seriously? So you give someone a high credit limit and milestone targets, but then block everyday legitimate spends? How is one supposed to reach milestones if the card refuses to process normal transactions? Their answer was basically: “That’s our rule, sir.” No justification, no option to lift the cap, no escalation path offered.
This is absurd and unacceptable. Has anyone else faced this with Axis Atlas (or any other “premium” card)? Share your experience. Also, if you’ve managed to get Axis to remove/relax this nonsense, how did you push it up the chain - branch manager, written escalation, RBI complaint, ombudsman, or social media escalation?
I’m collecting:
- Exact number of transactions before blocking (3? 4?)
- Types of transactions that got declined (UPI, POS, online, wallet load?)
- What Axis told you (phone script or email)
- Any successful escalation path or workaround
