AXIS BANK CLOSE FLIPKART AXIS CC FOR COMMERCIAL USE

[bhavik886151]

when i try to place an order today on Flipkart using my axis Flipkart CC
it declined 2 times
so call customer care to know the reason for transaction declined
customer care inform the CC is permanently close by the AXIS bank under commercial usage reason
i not received any email earlier like other mentioned here to prove the high usage of the axis credit card

 

[Chaitanya-a]

Would the same be applicable on ICICI Amazon cards as well?
I've heard of Axis bank closing cards on the basis of "Commercial usage" in other threads as well over here, but is the same with other banks? - ICICI IDFC SBI IndusInd etc?

ICICI Amazon is even more strict in this case. They don't let you apply for that card ever again.

 

[gabzvee]

ICICI Amazon is even more strict in this case. They don't let you apply for that card ever again.

Big thanks man, this is really important info since I'm going to apply for my APay card in a few weeks and was looking forward to using it for a lot of commercial purposes
I wish these things were mentioned in some kind of "Credit Card Starter Kit" or guide

Although, does Axis allow re-application?

@bhavik886151 did you try sending customer care or anything any proof of usage? (If you can make something up)

 

[Chaitanya-a]

Big thanks man, this is really important info since I'm going to apply for my APay card in a few weeks and was looking forward to using it for a lot of commercial purposes
I wish these things were mentioned in some kind of "Credit Card Starter Kit" or guide

Although, does Axis allow re-application?

@bhavik886151 did you try sending customer care or anything any proof of usage? (If you can make something up)

These co-branded cards are first to catch any suspicious txn coz they're offering you flat Cashback.

If it gets abused (as OP has earned ₹12k Cashback in a single month), then they flag your PAN and most probably never allow to apply again unless unflagged manually by requesting them.

 

[Mr. Aman]

But this earning costed him permanent card closure.

one card closure is not a big deal the can take the card on there parents name or brother sister this is a entry level card .

 

[Chaitanya-a]

one card closure is not a big deal the can take the card on there parents name or brother sister this is a entry level card .

And if done same on those, they'll get closed as well

 

[kochiro]

around 25 transaction and cashback amount is above 12000

Nobody told you about keeping it below 6k cb every month just to be on safe side.

 

[Mr. Aman]

And if done same on those, they'll get closed as well

think about big picture another 12000 come to home as well

 

[bhushan0101]

If it only accrues and not receive the cashback of 12000 on your card then that will be also forfeited as mentioned in the term and conditions.

*If a Cardholder's Flipkart Axis Bank credit card is terminated at any time for any reason, whether by the primary Cardholder or the Bank, the primary Cardholder will forthwith be disqualified from earning the Cash backs and all unused Cash backs then accrued shall automatically be forfeited immediately after voluntary or involuntary cancellation of the Flipkart Axis Bank Credit Card.

 

[John123]

Nobody told you about keeping it below 6k cb every month just to be on safe side.

What about SBI CB. Our TF members have earned a lot. There is a separate thread for this

 

[akki7163]

when i try to place an order today on Flipkart using my axis Flipkart CC
it declined 2 times
so call customer care to know the reason for transaction declined
customer care inform the CC is permanently close by the AXIS bank under commercial usage reason
i not received any email earlier like other mentioned here to prove the high usage of the axis credit card

Congratulations

 

[kochiro]

What about SBI CB. Our TF members have earned a lot. There is a separate thread for this

Only talking about fk card

 

[akki7163]

You people are making fun of credit card, credit card is for individual purpose and you all are using it for commercial purpose.That's why these credit card company devaluate the credit card.

 

[bhavik886151]

Big thanks man, this is really important info since I'm going to apply for my APay card in a few weeks and was looking forward to using it for a lot of commercial purposes
I wish these things were mentioned in some kind of "Credit Card Starter Kit" or guide

Although, does Axis allow re-application?y

@bhavik886151 did you try sending customer care or anything any proof of usage? (If you can make something up)

Big thanks man, this is really important info since I'm going to apply for my APay card in a few weeks and was looking forward to using it for a lot of commercial purposes
I wish these things were mentioned in some kind of "Credit Card Starter Kit" or guide

Although, does Axis allow re-application?

@bhavik886151 did you try sending customer care or anything any proof of usage? (If you can make something up)

they just block the card with out any mail or message or call

As per the axis bank policy more than 10 transaction on flipkart in single billing cycle mark suspicious for flipkart axis credit i don't kno

As per the axis bank policy more than 10 transaction on flipkart in single billing cycle mark suspicious for flipkart axis credit card.

using it from one year with so many transaction every month

 

[bhavik886151]

You people are making fun of credit card, credit card is for individual purpose and you all are using it for commercial purpose.T

As per the axis bank policy more than 10 transaction on flipkart in single billing cycle mark suspicious for flipkart axis credit card.

i am doing more then 25 to 30 transaction every month from last one year on Flipkart and Myntra using Axis Flipkart CC

 

[Wealth is my birth right!]

Would the same be applicable on ICICI Amazon cards as well?
I've heard of Axis bank closing cards on the basis of "Commercial usage" in other threads as well over here, but is the same with other banks? - ICICI IDFC SBI IndusInd etc?

Yes if u spend 8 lakhs on this card they say bye to u

 

[Riteshgpt60]

My amazon pay card also blocked because of same reason.
So keeping the fk card cb low to avoid closing .

 

[src223]

Extremely noob question, but can anyone tell me what is "commercial" use of a card, how is it separate from personal usage?

If my a few friends use my card for a few transactions, does that mark as commercial use?

 

[SSMV]

My amazon pay card also blocked because of same reason.
So keeping the fk card cb low to avoid closing .

What do u mean by commercial use and do educational and rental transaction also count as commercial use

 

[PayKaroAbhi]

Congratulations!
Don't know why people are using credit cards as earning machines!

I have FK axis, ICICI Amazon from last 4 years and hardly spend 10K in a month. These co-branded cards are limited for personal usage only so if you wanna earn from these cards then they'll close it obviously.

 

[Chaitanya-a]

Extremely noob question, but can anyone tell me what is "commercial" use of a card, how is it separate from personal usage?

If my a few friends use my card for a few transactions, does that mark as commercial use?

Commercial use is when we order too many high-value items which is obviously not needed that often.

For example: Washing machine, Mobile phone, Air conditioner etc.