Axis Bank Privilege Credit Card (LTF) – Worth the Upgrade?

[Deepak_9155]

Hey everyone,


I just got an upgrade offer for the Axis Bank Privilege Credit Card (Visa) with Lifetime Free (LTF) benefits. I'm wondering if it's worth taking.



Currently, I hold:

• Airtel Axis Bank Mastercard
• MyZone Axis Bank Visa
• Combined limit: ₹1.3L

A few questions:

1. Is this card beneficial in terms of rewards and perks?
2. If I accept the upgrade, will my existing card be closed, or will I retain it?
3. Will getting this card increase my chances of getting a higher variant Axis credit card in the future?

Would love to hear your thoughts and experiences! 🙌

 

[mailmenow]

Yes, I closed my Ace on 15th Jan. Showed pre-approved offers for me within a month from then.

How u got Pre -approved offer within 1 month?? May be ur last card was already older than 3 month before closing?

 

[IDontThinkSo]

Ok. From cc they told me that I will start to receive pre-approved offer only after 3 month from the date of last card issued. Is it like that??

This is template reply. The pre-approved section may or may not show the card, but one can always call the customer care for cards.

People have been approved two card in the same day.
Not aware of 3 in the same day case yet, but i guess it should also be possible as well.

 

[Anupama_Jha]

This is template reply. The pre-approved section may or may not show the card,

Maybe, as per their response:
3 months from date of approval of last card.

Earlier it was only 1 month.

but one can always call the customer care for cards.

Cust care now gives only Myzone or Neo as LTF, rest if any other offer, u have to apply from respective channel only.

People have been approved two card in the same day.

Yeah, mine itself. Atlas from pre-approved and vistara signature as upgrade from platinum

Not aware of 3 in the same day case yet, but i guess it should also be possible as well.

Forget it.

 

[plastikman]

How u got Pre -approved offer within 1 month?? May be ur last card was already older than 3 month before closing?

Yes, closed card was 1 year old

 

[plastikman]

No welcome benefits applicable for lifetime free cards.

But with neo, ltf welcome benefits were available ?

 

[Pho3nix]

$h1t card of a $h1t bank.

 

[Pho3nix]

AGVs for best value ranging from 5-10%

How do we get it at more than 5%?

 

[InfamousInfamous is verified member.]

Useless, dont bother

 

[Pho3nix]

Yeah, mine itself. Atlas from pre-approved and vistara signature as upgrade from platinum

Atlas was LTF?

 

[Anupama_Jha]

Atlas was LTF?

Nope. Never even heard someone getting LTF atlas through pre-approved.

Only thru corporate tie up meeting salary requirements or burgundy/private banking.

 

[its_karan]

Naam Privilege

Sabko milra hai LTF

aur Benefits is 0

Only Axis Bank can pull this off

I am also getting, avoiding

 

[plastikman]

How do we get it at more than 5%?

Amex, DCB, Infinia etc

 

[ankit ojha]

I have 3 axis cards, 1. Fk , 2. Ace 3. Neo. …….there is no offer showing in my application, some days before called customer care they intimated me about privilege credit card but chargeable.

As Axis ace currently more or less useless , bcs my offline spend is too negligible (1.5% cb)- in a year hardly 3-4K. Besides no gpay electricity bill offer ( mobile recharge use platinum debit card) . . Only one benefit , when 10% discount offer in Amz and Fk, it provides ~11.5% . So, I think I should close it, for better offer in future , what is ur option guys.

 

[Rajshikhar]

But with neo, ltf welcome benefits were available ?

Yes but in the case of privilege, it is written in the KNOW MORE section, so no welcome benefits applicable on ltf or fyf cards.

 

[hender]

Naam Privilege

Sabko milra hai LTF

aur Benefits is 0

Only Axis Bank can pull this off

I am also getting, avoiding
View attachment 85993

So that they can say- Proudly "Our all customers are Privileged"🏆

 

[plastikman]

Yes but in the case of privilege, it is written in the KNOW MORE section, so no welcome benefits applicable on ltf or fyf cards.

Thanks for clarifying.

 

[vivekshah]

Should i close Titanium card which is 15 yrs old card and take privilege card ? Any positive impact on Cibil of closing oldest active card ?

 

[Pho3nix]

Should i close Titanium card which is 15 yrs old card and take privilege card ? Any positive impact on Cibil of closing oldest active card ?

Privilege is a $h1t card of a $h1t bank. There is no benefit. Closing your oldest card will shorten your credit history and that will lower your CIBIL score.

 

[Fini7777]

Got the same offer today, privilege cc as LTF

Closed my ace cc a month ago

1.8% - if milestone achieved
1% - base RR

not a great card but can consider if u r looking for axis core card as LTF and EZD offer

 

[Fini7777]

Have a small doubt, while I was applying for this card in the pre approved section for the first time it asked for Nominee
I didn't think much and entered the name and submitted the applic.

Why did they ask for Nominee?
Today I received a call from Indusind bank as well to register Nominee details for my mother's pinnacle cc and they said if registered they will charge around 450/- monthly for that Insurance - I denied to register Nominee

Does this apply to axis privilege ?