Axis Credit Card Axis Privilege credit card

[TOUSIFAHMED]

I have neo card , which is oldest in my portfolio. Today i open app & saw privilege card 0 fee & applied . Now regretting why unnecessarily i applied. What should i do keep which card please tell. I have 10 cards & only use 2 cards

 

[Anshit]

Is your Neo paid or LTF?

 

[TOUSIFAHMED]

Till last year it was paid. Now its free

 

[Anshit]

Till last year it was paid. Now its free

In that case I would suggest to keep Neo as it is LTF, your oldest card and has some offers on BMS and Zomato but Privilege is virtually dead , just good in case you need to have a core LTF Axis card, However you still got through whatever benefit is still left on Privilege and if it aligns with your requirement you can keep it, otherwise you have the option of not to activate the card...Hope this helps!

 

[TOUSIFAHMED]

Thanks for you answer. What will happen if i don't activate the card? Though application didn't hit any cibil enquiry till now will the card added to my report if not activated?

 

[Abhi21]

Thanks for you answer. What will happen if i don't activate the card? Though application didn't hit any cibil enquiry till now will the card added to my report if not activated?

Nothing will happen.. Acc to RBI guidelines, if you don't activate within 30 days of issuance, the card remains cancelled.

 

[Anshit]

Thanks for you answer. What will happen if i don't activate the card? Though application didn't hit any cibil enquiry till now will the card added to my report if not activated?

Ideally, It should not be on your Cibil unless you activate it but here in some threads I have read some banks have reported Cibil before activating it but I have heard nothing like that for Axis yet

 

[TOUSIFAHMED]

Ideally, It should not be on your Cibil unless you activate it but here in some threads I have read some banks have reported Cibil before activating it but I have heard nothing like that for Axis yet

Ok i will confirm it from bank itself or online, if you have some thread please share. Anyways thanks a lot & very kind of you for helping late-night.

 

[Abhi21]

🤔😒
Bro. Whatever Anshit said is right.
Want to check with bank.. 👍🏻
Ab answer se unhappy ho tho again dusra thread kyu denge bhai when everywhere will be the same thing.

 

[TOUSIFAHMED]

🤔😒
Bro. Whatever Anshit said is right.
Want to check with bank.. 👍🏻
Ab answer se unhappy ho tho again dusra thread kyu denge bhai when everywhere will be the same thing

🤔😒
Bro. Whatever Anshit said is right.
Want to check with bank.. 👍🏻
Ab answer se unhappy ho tho again dusra thread kyu denge bhai when everywhere will be the same thing.

Ok. I will read rbi guideline , it will be the best for me. Nai to use karna padega.

 

[Anshit]

I will share the threads if I find them, I have nothing saved...Trust me if you don't want to use the card, bank cannot force you ,they may entice you with something to activate the card but it's You who have to decide

 

[TOUSIFAHMED]

I will share the threads if I find them, I have nothing saved...Trust me if you don't want to use the card, bank cannot force you ,they may entice you with something to activate the card but it's You who have to decide

I do trust. Once again Thanks a ton. Have a good night bro.