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Axis Credit Card Axis iocl credit card is good or bad?
- Thread starter joyvictor
- Start date
1. Welcome benefit - 30k edge points.
2. 15 points/100 on few merchants like zomato, myntra, big basket, 1 mg, urban company.
3. 15 points/100 on international spends.
4. 5 points/100 on other categories (with some exclusions of course)
5. 10% cashback on Samsung purchases throughout the year (capped to 5k and twice I guess) even on emi transactions.
6. Domestic and international lounge access.
Almost everyone got this card for welcome bonus when Magnus party was on. After redemption everyone closed 😂😂
I got it for welcome benefit and convert into multi brand voucher 🥸.
Already have Myntra card ..
Maybe will use it as c2c within a year before dumping.
I thought having sI will give l.e
How to get magnus ?
Lol limit is 90k
You definitely know better. I'm not much into fuel cards. For me it's Uber most of the time.
One fine morning you'll get a good limit increase and doors to Magnus will open. Till then hold tight, keep spends at a decent level and pay in full. Axis is very unpredictable.
Second option is to find some shady axis agent which I wouldn't recommend.
What will agent do ? 🥸.
Yes till now cc journey is sumed up as
" One fine morning i got lucky "
Seriously. I started HDFC journey with Times Card Titanium. Limit was 1L. Didn't use the card much and the bank reduced my limit to 70k. Then I started using the card regularly.
70k --> 84k --> 144k --> 360k --> 650k --> 12500k and an upgrade to Infinia (2020 Covid time).
Do not hold bank account with axis if you cannot maintain much balance and transact and remain disciplined in credit card usage.
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I had axis account closed it 🥸 recently but using card ..
Wait 🤘😎 till next time bcz iocl u can always get
praveensudhakaran
TF Premier
They didn't give me! So settled with Axis IOCL
praveensudhakaran
TF Premier
So what is the ratio of points:INR while redeeming it for fuel via POS?
Which card iocl or sbi octane .
Iocl -4/8% .( WORKS ON Upi too without surcharge - only one of its kind )
Iocl -6.25 %
100Rabh_negi
TF Premier
I have received cashback while filling fuel on a nearby HP pump using Axis IOCL but GST on surcharge wasn't reversed ( as expected). Can i use their Paytm QR code to pay via PayTM using my Axis IOCL UPI so that neither surcharge, nor GST is levied or i will lose out on ER points which i received while paying thru tap/swipe? Gonna try it today evening but would love to know if someone has used it beforehand.
Yes but comes late if u do via upi
Gst gets revesed but at the end of statement circle
100Rabh_negi
TF Premier
Even i missed the LTF offer period but called them last week saying everyone got it LTF but not me, after negotiation they transferred 2500ER points( worth 500) immediately. Also note that annual fee waiver can be achieved using it for 50K which you can cover via UPI+fuel+online sale + Grabdeals offers as well. It depends what are your requirements and how you planning to spend on it. Some people stay away from paid cards even though their benefits are worth more than that and some people try to get paid/premium cards ( Infinia,magnus,Amex Gold/Plat travel,SBI CB,Axis Airtel etc) just because their benefits are worth more than that. I believe all rewarding cards are paid(for most of us) , but all paid cards aren't rewarding(for most of us). Also i have seen some offers and promotions only for cards where joining fees has been paid so dont worry, start using it and try to maximize the return.
100Rabh_negi
TF Premier
Thanks will check it today and update later on credit. However on card swipe also i have noticed ER being credited after some days while Surcharge gets credited in 1-2 days.
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