AXIS CREDIT CARD limit merger!!!!!!

[COmM4nDer]

I have an Axis Flipkart Credit Card with limit 1.05lkh been using it for more than a year.
I had applied for Axis Magnus & got it recently having a limit of 4.1lkh.
Total aggregate of both the card was 4.1lkh

2days ago I got an offer from axis app that Axis Flipkart CC is giving me a limit increase of 1,00,000 & my Axis Flipkart CC limit was increased to 2,10,000.
But to my surprise the aggregate limit remained 4.1lkh.

So my questions are

1. What is the use of the limit increase if I have to share it with another variants card?

2. So my limit will only increase if the highest limit card gets an increase?

3. Is there a way to use the full limit individually? If so then how??

 

[emadiqbalali]

Hi,

The aggregate limit will be of your existing highest limit card from Axis. In your case, it is Magnus.

The aggregate limit simply denotes that is shared among all cards. However, there is per card limit in Axis.

In your case, you're entitled to use 4.1L on your Magnus. If you do so, you won't be able to use 2.1L on FK and other card as you exhausted all aggregate limit.

If you want to use Axis FK, then you can use it till your as per card limit which is now 2.1L in your case. If you max it out, your aggregate will fall to 2L.

And do note that you can only spend 2L on Magnus and not 4.1L as you have max out 2.1L on the FK.

1. It's basically per card limit, it means you can spend upto that limit on particular card and it effects aggregate limit.

2. If the highest limit card gets limit increase your aggregate limit will also increase which means you can spend upto that aggregate limit on highest limit card while others will have per card limit and whatever is the per card limit, thats the max you can use.

3. Yes, and No. You'll have to mail to PNO Axis if you need to remove per card limit. In my case, they rejected my requests everytime I raised it. You can give it a try.

 

[COmM4nDer]

Hi,

The aggregate limit will be of your existing highest limit card from Axis. In your case, it is Magnus.

The aggregate limit simply denotes that is shared among all cards. However, there is per card limit in Axis.

In your case, you're entitled to use 4.1L on your Magnus. If you do so, you won't be able to use 2.1L on FK and other card as you exhausted all aggregate limit.

If you want to use Axis FK, then you can use it till your as per card limit which is now 2.1L in your case. If you max it out, your aggregate will fall to 2L.

And do note that you can only spend 2L on Magnus and not 4.1L as you have max out 2.1L on the FK.

1. It's basically per card limit, it means you can spend upto that limit on particular card and it effects aggregate limit.

2. If the highest limit card gets limit increase your aggregate limit will also increase which means you can spend upto that aggregate limit on highest limit card while others will have per card limit and whatever is the per card limit, thats the max you can use.

3. Yes, and No. You'll have to mail to PNO Axis if you need to remove per card limit. In my case, they rejected my requests everytime I raised it. You can give it a try.

Thank you buddy for taking the time to explain all my queries. Will try no 3 & give u an update. 😀

 

[004archit]

You applied Magnus based on flipkart card or any other card ?

 

[COmM4nDer]

You applied Magnus based on flipkart card or any other card ?

No I had a limit of 1.05lkh in AF CC which wasn't even close to the Magnus Criteria. I have a Sbi Elite CC with a limit of 4.1lkh. Did C2C via my SBI Elite CC.

 

[MC_007]

I have Flipkart card with 1.13L limit and recently got Airtel card with 2.4L limit,then I mailed to PNO they asked for payslips and matched the limit with Airtel card.

 

[Anon1]

3. Yes, and No. You'll have to mail to PNO Axis if you need to remove per card limit. In my case, they rejected my requests everytime I raised it. You can give it a try.

Can we request even if the card is new and not completed 3 months?

 

[emadiqbalali]

Can we request even if the card is new and not completed 3 months?

Yes, you can but it depends on their mode and internal reviews.

 

[COmM4nDer]

Yes, you can but it depends on their mode and internal reviews.

Does Axis Magnus have the facility for an Add-On card? if yes how to apply if I already have the card without an Add-On.

I contacted the chat support but they said as of now no Add-On are given to any Axis CCs. If there is any lead kindly share.

 

[Wealth is my birth right!]

Can we request even if the card is new and not completed 3 months?

Yes for hni cards 3 months once we can request LE
I got on 4th month

 

[prabanomics]

Yes for hni cards 3 months once we can request LE
I got on 4th month

Does axis do cibil check for limit increase ?

 

[Wealth is my birth right!]

Does axis do cibil check for limit increase ?

Yes for sure

 

[emadiqbalali]

Does Axis Magnus have the facility for an Add-On card? if yes how to apply if I already have the card without an Add-On.

I contacted the chat support but they said as of now no Add-On are given to any Axis CCs. If there is any lead kindly share.

They are hesitant to give add-ons for especially Magnus but its not impossible. You can keep escalating the issue till you get it. You can fill the below form and submit it to nearest Axis Branch or your RM.

 

[COmM4nDer]

They are hesitant to give add-ons for especially Magnus but its not impossible. You can keep escalating the issue till you get it. You can fill the below form and submit it to nearest Axis Branch or your RM.

Thanks buddy. 👍

 

[COmM4nDer]

20x reward points or 12.5% cashback via grab deal. Which is better?

 

[Raj12]

Thank you buddy for taking the time to explain all my queries. Will try no 3 & give u an update. 😀

What is PNO axis...
Can you share email id?

 

[Raj12]

Thank you buddy for taking the time to explain all my queries. Will try no 3 & give u an update. 😀

Have u emailed...what is status..can you share email id?

 

[Raj12]

I have Flipkart card with 1.13L limit and recently got Airtel card with 2.4L limit,then I mailed to PNO they asked for payslips and matched the limit with Airtel card.

Can you share PNO EMAIL ID...?

 

[COmM4nDer]

Have u emailed...what is status..can you share email id?

Better to go step by step. May take a few weeks time but the issue will be solved. After a series of TO & FRO mails, got a call & finally received a mail the Limit is being matched. Try your luck & do keep us posted what happened.

PNO@axisbank.com