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Axis Bank credit card application - Is it possible to use credit card statement from another bank as income proof?

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intothevoid

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Hello, I just applied for Axis Bank Neo Credit Card in Axis Mobile app since there was a LTF banner. I already hold two credit cards from Axis Bank (My Zone and Flipkart), each with ₹85,000 aggregate limit. I also have a savings account with Axis Bank so I thought these were good enough criteria for a new card with shared limit (since the other two cards were approved instantly without any income proof).

After submitting the application, I got the message “You have reached last stage of application for Axis Bank Credit Card. Please keep your KYC and income documents ready to complete the process. Our executive will get in touch with you shortly.” The thing is, I won’t be able to provide salary slips in case they do ask for income proof, so I was wondering if it’s possible to provide credit card statements from other banks (at this stage of application) or is it better if I put a request for withdrawing my application. Thanks.
 
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intothevoid said:
Hello, I just applied for Axis Bank Neo Credit Card in Axis Mobile app since there was a LTF banner. I already hold two credit cards from Axis Bank (My Zone and Flipkart), each with ₹85,000 aggregate limit. I also have a savings account with Axis Bank so I thought these were good enough criteria for a new card with shared limit (since the other two cards were approved instantly without any income proof).

After submitting the application, I got the message “You have reached last stage of application for Axis Bank Credit Card. Please keep your KYC and income documents ready to complete the process. Our executive will get in touch with you shortly.” The thing is, I won’t be able to provide salary slips in case they do ask for income proof, so I was wondering if it’s possible to provide credit card statements from other banks (at this stage of application) or is it better if I put a request for withdrawing my application. Thanks.
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Yes they ask for salary slips if salaried.. Better confirm from agent. He'll call you before visiting.. They wont accept c2c application
 
intothevoid said:
Hello, I just applied for Axis Bank Neo Credit Card in Axis Mobile app since there was a LTF banner. I already hold two credit cards from Axis Bank (My Zone and Flipkart), each with ₹85,000 aggregate limit. I also have a savings account with Axis Bank so I thought these were good enough criteria for a new card with shared limit (since the other two cards were approved instantly without any income proof).

After submitting the application, I got the message “You have reached last stage of application for Axis Bank Credit Card. Please keep your KYC and income documents ready to complete the process. Our executive will get in touch with you shortly.” The thing is, I won’t be able to provide salary slips in case they do ask for income proof, so I was wondering if it’s possible to provide credit card statements from other banks (at this stage of application) or is it better if I put a request for withdrawing my application. Thanks.
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Instead of this just call customer care and ask them that you want neo cc based on your existing cc. They will process your request on call without any docs requirement.
 
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intothevoid said:
Hello, I just applied for Axis Bank Neo Credit Card in Axis Mobile app since there was a LTF banner. I already hold two credit cards from Axis Bank (My Zone and Flipkart), each with ₹85,000 aggregate limit. I also have a savings account with Axis Bank so I thought these were good enough criteria for a new card with shared limit (since the other two cards were approved instantly without any income proof).

After submitting the application, I got the message “You have reached last stage of application for Axis Bank Credit Card. Please keep your KYC and income documents ready to complete the process. Our executive will get in touch with you shortly.” The thing is, I won’t be able to provide salary slips in case they do ask for income proof, so I was wondering if it’s possible to provide credit card statements from other banks (at this stage of application) or is it better if I put a request for withdrawing my application. Thanks.
Click to expand...
If they ask to submit docs just told them that you applied on card 2 card basis share your latest month card statement whose limit is maximum and have 25% available balance in statement with no over limit or other charges in that.

And card should be at least 6 months old. Nothing to be worried. The verification executive will also tell you beforehand what docs he needed. If you don't have Payslips bank statement with salary credit will be fine.
 
Rahul Gupta said:
Instead of this just call customer care and ask them that you want neo cc based on your existing cc. They will process your request on call without any docs requirement.
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This is a good approach. Don't forget to check if there's any joining or annual fee mentioned on the confirmation OTP sms.
 
Kumar93196 said:
If they ask to submit docs just told them that you applied on card 2 card basis share your latest month card statement whose limit is maximum and have 25% available balance in statement with no over limit or other charges in that.

And card should be at least 6 months old. Nothing to be worried. The verification executive will also tell you beforehand what docs he needed. If you don't have Payslips bank statement with salary credit will be fine.
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But he is an existing customer right? Axis usually won't approve a lifetime free credit card for an existing customer applied through banner ads. He should apply through pre-approved section or customer service.
 
yusuf646 said:
But he is an existing customer right? Axis usually won't approve a lifetime free credit card for an existing customer through banner ads. He should apply through pre-approved section or customer service.
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If it's pre approved it will be approved instantly.
If he have applied the other way then docs might be required.
 
Kumar93196 said:
If they ask to submit docs just told them that you applied on card 2 card basis share your latest month card statement whose limit is maximum and have 25% available balance in statement with no over limit or other charges in that.

And card should be at least 6 months old. Nothing to be worried. The verification executive will also tell you beforehand what docs he needed. If you don't have Payslips bank statement with salary credit will be fine.
Click to expand...
Bank statement with salary credit is accepted in Axis Bank? I tried this method with Amex a few months ago and they told that they can’t process application without salary slips.
 
I only bothered to apply because I had been receiving this email..

IMG_5754.jpeg

Pfff.. hard enquiry done in CIBIL and Experian, I’ll just ask them if they can do C2C or else just cancel the application.
 
My info leads say that our Apex Bank is contemplating to ask Banks to insist on
Income proofs - verified salary slips or completed ITR Assessment intimation.

My opinion : YES for it.

Hopefully, TF community will not see students n kids with no incomes - but with dozens of CCs - ending up in deep debts - often running into lakhs - or planning to commit suicides.

How can a Bank sanction a CREDIT to a chap with NO INCOME ? STUPID BANKERS forgetting basics of banking.
 
RAMESH BABU N said:
My info leads say that our Apex Bank is contemplating to ask Banks to insist on
Income proofs - verified salary slips or completed ITR Assessment intimation.

My opinion : YES for it.

Hopefully, TF community will not see students n kids with no incomes - but with dozens of CCs - ending up in deep debts - often running into lakhs - or planning to commit suicides.

How can a Bank sanction a CREDIT to a chap with NO INCOME ? STUPID BANKERS forgetting basics of banking.
Click to expand...
Most of the times banks gives cc on random basis I form my personal experience seen many unemployed persons or students getting cc easily without any docs and use that limit as free money then they don't pay the debt...

But when they grow up they realise that this free money is one of there biggest mistakes in life.

And i also saw many eligible persons looking here and there to get there first cc...

Sometimes I think banking industry for issuance of credit card is weird
 
Kumar93196 said:
Most of the times banks gives cc on random basis I form my personal experience seen many unemployed persons or students getting cc easily without any docs and use that limit as free money then they don't pay the debt...
With
But when they grow up they realise that this free money is one of there biggest mistakes in life.

And i also saw many eligible persons looking here and there to get there first cc...

Sometimes I think banking industry for issuance of credit card is weird
Click to expand...
Absolutely correct. This applies to loans as well, I believe. My friend is struggling to get a vehicle loan. He has a good CIBIL score, a few credit cards, zero late payments, business documents, a current account with HDFC, and ITR. Still, HDFC said they can't give him a loan because he has a rented house. I mean, seriously?
 
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