Axis Credit Card Rejection - Should I Ask for Reason?

[rakesh3929]

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crif score which Axis uses is 793.

 

[JSK111]

Did you take the screenshot of the LTF offer? If yes, you can send it Axis PNO. Send your Application number with all relavent screenshots and LTF offer. They can still consider your application if it is a technical issue from their side.

 

[fin_avid]

Can always enquire. Ask the nodal officer bout reasons for rejection. Mail.them the application number and ask for it.
The rejection mail sometimes long time to arrive. Tat too without any reason.

 

[rakesh3929]

Did you take the screenshot of the LTF offer? If yes, you can send it Axis PNO. Send your Application number with all relavent screenshots and LTF offer. They can still consider your application if it is a technical issue from their side.

The LTF offer is still running on their website - https://www.axisbank.com/retail/cards/credit-card. Took a screenshot now.

Can always enquire. Ask the nodal officer bout reasons for rejection. Mail.them the application number and ask for it.
The rejection mail sometimes long time to arrive. Tat too without any reason.

Okay got it. Thanks. But I would like to understand about the Amount column enquiry as seen in the screenshot.

 

[JSK111]

During the application process and after taking your personal info, it would show you all eligible cards along with joining and annual fee. For LTF both these fee will show as zero. Did you see the offer here as well?

 

[ihmahetar]

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crix score which Axis uses is 793.

My application also rejected due to bank credit norms

I am thinking that last credit card I applied on November and not activated due to 6 months not completed so I think my application was rejected my view.

 

[rakesh3929]

During the application process and after taking your personal info, it would show you all eligible cards along with joining and annual fee. For LTF both these fee will show as zero. Did you see the offer here as well?

Yes I did see

 

[rakesh3929]

My application also rejected due to bank credit norms

I am thinking that last credit card I applied on November and not activated due to 6 months not completed so I think my application was rejected my view.

In my case, it is not the same scenario. This is my first time applying for an Axis Card

 

[mailmenow]

Don

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crix score which Axis uses is 793.

Don't worry bro axis is too fast now to provide you the rejection reason if you quote the RBI guidelines to provide the rejection reason. I asked the same on 4th Feb and I got the rejection reason on 5th February.

 

[rakesh3929]

Don

Don't worry bro axis is too fast now to provide you the rejection reason if you quote the RBI guidelines to provide the rejection reason. I asked the same on 4th Feb and I got the rejection reason on 5th February.

Can you share the email id? Also, may I know if it was a generic reply or exact reason was mentioned? Do you have any idea about the "Amount" column shown?

 

[Credit_Cards]

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crix score which Axis uses is 793.

I know this is a naive question but I am a learner hence asking I never ever heard of Crix Score before and only aware of only 4 CIC (CIBIL, Experian, CRIF Highmark and Equifax) in India please help me understand what is Crix will be helpful.
Thanks

 

[fin_avid]

Can you share the email id? Also, may I know if it was a generic reply or exact reason was mentioned? Do you have any idea about the "Amount" column shown?

Nodal.officer@ axisbank.com

Bout tat amount , some senior person may shed some light.

 

[mailmenow]

Can you share the email id? Also, may I know if it was a generic reply or exact reason was mentioned? Do you have any idea about the "Amount" column shown?

Pno@axisbank.com
It's not a generic reply bro. Exact reply they informed me. U must quote that RBI guidelines thing in mail

 

[mailmenow]

Can you share the email id? Also, may I know if it was a generic reply or exact reason was mentioned? Do you have any idea about the "Amount" column shown?

We request you to accept our sincere apology for the inconvenience caused to you.

We would like to inform you that we have previously said that your referred credit card application C1-00000087654321-C1 has been declined as you are currently holding the same variant card, Airtel Axis Bank Mastercard Credit Card, and you have applied for Airtel Rupay Credit Card. Please be informed that the approval of the credit card application solely depends on the bank's internal policies.

We would also like to inform you that our inability to offer you the credit card which does not reflect on your creditworthiness in any way. You can re-apply for the credit card application after 12 months from the date of the credit card application being declined.

Further, your credit card application MLP00007654321has been declined due to internal norms not being met. We request you to submit a new request for the said card.

Please note that the above decision has been taken after careful consideration of your application on its merit in line with Axis Bank's internal policies and operating procedures.

Note: Credit card issuance is as per bank's approval

We regret our inability to reconsider the credit card applications. For the MLP00007654321 application, please place a new application.

 

[rakesh3929]

I know this is a naive question but I am a learner hence asking I never ever heard of Crix Score before and only aware of only 4 CIC (CIBIL, Experian, CRIF Highmark and Equifax) in India please help me understand what is Crix will be helpful.
Thanks

Oops. I made a mistake. Corrected it.

 

[rakesh3929]

We would like to inform you that we have previously said that your referred credit card application C1-00000087654321-C1 has been declined as you are currently holding the same variant card, Airtel Axis Bank Mastercard Credit Card, and you have applied for Airtel Rupay Credit Card.

This explanation helps! Wrote an email. Hope I receive it with good explanation.

 

[mailmenow]

This explanation helps! Wrote an email. Hope I receive it with good explanation.

If you don't receive proper reply then go ahead with RBI u will get compensation. They spoiled it in my case by providing the reason 🤣🤣

 

[rakesh3929]

This is the reply I have received -

"Thank you for writing to Axis Bank. This is in reference to your e-mail dated 12-02-2025 in relation to credit card application. Please accept our sincere apologies for the inconvenience caused to you.

We regret to inform you that your credit card application has not been approved as the same does not meet the bank’s internal policies and operating procedures. The above decision has been taken after careful consideration of your application on its merit in line with Axis Bank's internal policies and operating procedure. Please note that our inability to offer you the Credit Card does not in any way reflect on your creditworthiness. Further, please note that you may re-apply for Axis Bank credit card after 90 days from the card declined date. An intimation of the same will be sent to you within 15 working days from the application decline date normal Post.

Alternatively, we are pleased to offer you a pre-approved credit card especially designed to match your requirements – Insta Easy Credit Card. Insta Easy Credit Card comes packed with powerful features such as:
1) Guaranteed approval
2) Easy documentations
3) Lower interest rate of 1.95% per month
4) Credit limit of choice (up to 80% of FD value)
5) Higher cash withdrawal from day one
6) Fuel surcharge waiver of 2.5% at all petrol pumps in India

If you have opened a fixed deposit with us, you are automatically eligible to apply for the Insta Easy Credit Card. For more details, please visit any Axis Bank branch.

Further, we request you to share the complete CIBIL report mentioned control id from official CIBIL site such as, TransUnion with control number, PAN number and details of credit card enquiry visible in CIBIL in order to investigate and assist you better. The Bank’s stance in the matter has been reviewed and approved by the Bank's Internal Ombudsman.

In case you are still not satisfied with the resolution provided, you may approach the Banking Ombudsman for redressal of your complaint by logging into the appended link: https://cms.rbi.org.in or You may write to the following address:
Centralized Receipt and Processing Centre (CRPC) Reserve Bank of India, Central Vista, Sector 17, Chandigarh - 160 017"

I feel there was no actual reason mentioned rather than they marketed another credit card via reply. What should I do?

@sjmajumder Kindly give me your valuable suggestions​

 

[stranger44]

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crif score which Axis uses is 793.

I also applied for Axis Bank Neo Credit Card today and I got a message, "Thank you for applying for Axis Bank Neo Master Credit Card with application ID C1-000065182-C1 An SMS confirming your application status will be sent shortly." But after that no message or mail came. I went to the site and tried to check the status by entering the application ID, but it shows No details found, kindly enter correct details. Now I don't known whether they accepted the application or rejected it or it is under review. Seriously third class bank hai axis. Thank god maine account nahi open Kiya waha.

 

[mailmenow]

It takes some time to update the status. Wait for some days