Axis Bank CC Rejection | Guide to apply for Axis CC

[Akshay Ajmera]

I have credit card of multiple banks, and also have good credit score and salary statement. Still, whenever i apply for axis bank credit card, my application gets rejected.
Whenever i apply for axis bank credit card,they write me

Thank you for showing interest in axis bank credit card.As per axis bank card assurance policy, we are currently unable to process your application.

Even after having word with customer care, they simply say that we cannot issue you card because of our bank policy. But which policy and why, i never receive answer from them

Can someone guide me how can i apply for axis bank credit card.

 

[TheMentalist]

With the new RBI guidelines, I guess banks have to provide proper reason for card rejection

 

[nitrogenSinghnitrogenSingh is verified member.]

With the new RBI guidelines, I guess banks have to provide proper reason for card rejection

But nowadays banks are not providing reasons directly, you have follow up for a month or more, and in that case also, you might not receive the reason, they are very reluctant to state the reason. Even after RBI new rules.

 

[BMR]

Will there be a fresh cibil hard enquiry if I apply for a 2nd card from axis ? I already have flipkart card which is 7 months old.

Also, is there any possibility of getting ace as LTF ?

 

[CMGCMG is verified member.]

Will there be a fresh cibil hard enquiry if I apply for a 2nd card from axis ? I already have flipkart card which is 7 months old.

Also, is there any possibility of getting ace as LTF ?

If it is not a preapproved offer, there will be an enquiry for 10,000

 

[TheMentalist]

Will there be a fresh cibil hard enquiry if I apply for a 2nd card from axis ? I already have flipkart card which is 7 months old.

Also, is there any possibility of getting ace as LTF ?

If it is not a preapproved offer, there will be an enquiry for 10,000

No enquiry if you call Axis customer care and ask to upgrade flipkart card to whatever card you want and tell them that you want to keep both cards

 

[BMR]

No enquiry if you call Axis customer care and ask to upgrade flipkart card to whatever card you want and tell them that you want to keep both cards

I see. This makes sense. I’ll try taking to them and issuing a new ace card. So as I understand , ace can never be LTF , right ?

 

[TheMentalist]

I see. This makes sense. I’ll try taking to them and issuing a new ace card. So as I understand , ace can never be LTF , right ?

Yeah it can't be LTF.. and YMMV for calling to upgrade for ace

 

[SubhankarSubhankar is verified member.]

There are some banks like HSBC,ICICI, Axis, Citi, they don't like people with lot of cards. To be precise, people with higher credit exposure. As you've mentioned that you've "lot of cards", that could be a reason.
The best you can do is to open a HNI acc with them, and apply through RM, the chances of approval will be higher, if rejected the RM can take approval for that if other grounds are strong

 

[clark_kent]

I applied for Magnus card from Hyderabad airport. The cc agent was 100% sure that it will be approved(holding savings 10 year old account, another credit card from axis and fulfilling the income criteria).
Guess what, declined due to bank's internal policies.

 

[PavanPavan is verified member.]

I applied for Magnus card from Hyderabad airport. The cc agent was 100% sure that it will be approved(holding savings 10 year old account, another credit card from axis and fulfilling the income criteria).
Guess what, declined due to bank's internal policies.

Kind of shocking! Airport help desk success rate 100% which other card you hold ?

 

[yolofino]

I applied for Magnus card from Hyderabad airport. The cc agent was 100% sure that it will be approved(holding savings 10 year old account, another credit card from axis and fulfilling the income criteria).
Guess what, declined due to bank's internal policies.

That is really out of the norm.

What was your cibil at the time of applying and how many cards you hold in total from all banks and what is the total credit card limit you have?

 

[clark_kent]

Kind of shocking! Airport help desk success rate 100% which other card you hold ?

Axis Atlas

 

[clark_kent]

That is really out of the norm.

What was your cibil at the time of applying and how many cards you hold in total from all banks and what is the total credit card limit you have?

Cibil 796. I hold all the major bank cards.

 

[TheMentalist]

Cibil 796. I hold all the major bank cards.

Try to apply after the cooling period.. and go for a lower end / co-branded card first like Flipkart and Freecharge, and apply them through their respective apps. You can also try with a different mobile number, than your usual one.

 

[BMR]

My

I applied for Magnus card from Hyderabad airport. The cc agent was 100% sure that it will be approved(holding savings 10 year old account, another credit card from axis and fulfilling the income criteria).
Guess what, declined due to bank's internal policies.

My story is ditto. Applied for Vistara infinite from Delhi airport and agent was 100 percent sure it will be approved but they declined it. I am trying to find the reason by contacting the bank.

What documents did that ask for at the airport kiosk ? I was asked only another bank’s cc statement.

 

[BMR]

Try to apply after the cooling period.. and go for a lower end / co-branded card first like Flipkart and Freecharge, and apply them through their respective apps. You can also try with a different mobile number, than your usual one.

From what I have read in another thread , there’s no cooling period in axis. Is there one ?

 

[TheMentalist]

From what I have read in another thread , there’s no cooling period in axis. Is there one ?

No idea about it now.. earlier could get another new card by calling CC the next day also

 

[clark_kent]

My

My story is ditto. Applied for Vistara infinite from Delhi airport and agent was 100 percent sure it will be approved but they declined it. I am trying to find the reason by contacting the bank.

What documents did that ask for at the airport kiosk ? I was asked only another bank’s cc statement.

They asked for the 2 months salary slip. Everything else was fetched through my existing axis bank savings account customer id.