Axis Flipkart Card got rejected even though i earn a decent amount

[gg123]

Hi Everyone,

I earn 60k+/permonth and i have an easy access savings account which has over 1L balance in it, so axis bank reached out me and offered(not pre-approved) to apply for Flipkart axis credit card for LTF, since we can't get ace card these days and Flipkart card is the next best thing(for cashback) that too for life time free for all the savings account customers, i agreed and applied to the card.

the agent came home and done KYC applied for it and said 100% chance of approval, but when i checked through axis CC tracker it was rejected the next day, i didn't get and official rejection mail even though it's been 5+ days

forgot mention i have no credit cards before and i have no loan so, no credit history and no credit score to my name

is there anything i can do to like re-apply for it or apply through RM, or does it have a cool down period?
need some help i am new to the credit card game

 

[awesomedude610]

IMO axis rejects any applicatin with cibil of 650 or below and as you have no credit score may thats the reason for rejection.
you can try for creditcard against FD and in that way build your score for six month or so and then apply again.
and axis ace is readliy available i just got mine a month back.

 

[Heehaahee]

You have answered yourself, no credit history is the reason...

 

[gg123]

IMO axis rejects any applicatin with cibil of 650 or below and as you have no credit score may thats the reason for rejection.
you can try for creditcard against FD and in that way build your score for six month or so and then apply again.
and axis ace is readliy available i just got mine a month back.

can i upgrade my account to one of those 75k MAB account and get the complimentry myzone card ? and then get pre-approved offer of ace card?

and how did you get ace card? , please describe your journey or relationship that got you approved for the card

 

[gg123]

You have answered yourself, no credit history is the reason...

i thought it won't matter much when you are a savings account customer, know a lot of people who got approved without credit history

 

[amit]

in recent devaluation axis flipkart is worthless.

 

[gg123]

in recent devaluation axis flipkart is worthless.

since my salary account is ICICI, they are offering that LTF for everyone Platinum Chip card but flipkart axis LTF is much better in every single way, i just wrote a mail to PNO@axisbank.com attached my payslips and cust_id, let's see what happens

if worse comes to worse should i accept that Platinum chip card ?

any suggetions?

 

[awesomedude610]

can i upgrade my account to one of those 75k MAB account and get the complimentry myzone card ? and then get pre-approved offer of ace card?

and how did you get ace card? , please describe your journey or relationship that got you approved for the card

no idea regarding saving account as i dont hold savings account with axis bank. i applied ace credit card through GPay and got approved. i have four other creditcards and have verygood cibil score as i have been using different crditcards from last 5 years. and dont open such high MAB account just for creditcards. i dont hold any saving account with the bank of which i hold creditcards. just build your cibil and bank will come to you for the creditcards.😀

 

[aryanraj]

since my salary account is ICICI, they are offering that LTF for everyone Platinum Chip card but flipkart axis LTF is much better in every single way, i just wrote a mail to PNO@axisbank.com attached my payslips and cust_id, let's see what happens

if worse comes to worse should i accept that Platinum chip card ?

any suggetions?

axis bank gonna disappoint you very much, they rarely approves manual LTF requests

 

[vgarg]

since my salary account is ICICI, they are offering that LTF for everyone Platinum Chip card but flipkart axis LTF is much better in every single way, i just wrote a mail to PNO@axisbank.com attached my payslips and cust_id, let's see what happens

if worse comes to worse should i accept that Platinum chip card ?

any suggetions?

Nah go for icici coral or whatever you get so you can atleast get lounge access try for mmt cards. They won't issue Amazon card without credit history.

 

[vina]

Hi Everyone,

I earn 60k+/permonth and i have an easy access savings account which has over 1L balance in it, so axis bank reached out me and offered(not pre-approved) to apply for Flipkart axis credit card for LTF, since we can't get ace card these days and Flipkart card is the next best thing(for cashback) that too for life time free for all the savings account customers, i agreed and applied to the card.

the agent came home and done KYC applied for it and said 100% chance of approval, but when i checked through axis CC tracker it was rejected the next day, i didn't get and official rejection mail even though it's been 5+ days

forgot mention i have no credit cards before and i have no loan so, no credit history and no credit score to my name

is there anything i can do to like re-apply for it or apply through RM, or does it have a cool down period?
need some help i am new to the credit card game

get a card from icici bank, wait a few months, get a credit history and then apply
also - I have had flipkart-axis and amazon-icici card for 4yrs now; I found that amazon was more useful over the years (I have premium cards now); so once you get axis-flipkart, you can ask icici to convert your card to amazon card later

 

[vgarg]

ICICI Bank is worst for lounge access man.

Even for their top end Sapphiro card, they have this condition of spending ₹5k just to get lounge access in next quarter. Same with each and every card of theirs.

Their cards are not rewarding enough to spend even ₹1k.

Haven't faced this issue. I have coral, mmt signature card. Maybe sapphiro has a higher condition, but in general if you're using cards this condition doesn't come.

 

[praful47]

I applied flipkart axis bank credit card on 23 nov. On 24 an agent called and said your card is approved on basis of cibil score and an agent will do kyc at your house. After kyc card got rejected. I complained why did my card got rejected they said card is rejected due to bank credit card norms does not meet . I asked to give more details they are not giving . What shall I do to get card.

 

[praful47]

I applied flipkart axis bank credit card on 23 nov. On 24 an agent called and said your card is approved on basis of cibil score and an agent will do kyc at your house. After kyc card got rejected. I complained why did my card got rejected they said card is rejected due to bank credit card norms does not meet . I asked to give more details they are not giving . What shall I do to get card.

@Alwàys_Bélîevé_Yøursélf🎯 can you help??