Bad expirence with Axis Bank credit card.

[aryanraj]

So, I have been trying to get Axis Card from last year but the application was keep getting rejected. Same "Internal bank policy" and had almost lost the hope. 2year ago applied for LTF flipkart (Rejected), Applied for MyZone LTF last year (Rejected) and after 1 week of this i applied for Flipkart Paid CC was approved with 15k limit.

However i recently came to know that one of my young friend which just aged 18 and got his PAN got approved for Flipkart Axis card with 55K limit. I had 5L ITR filed yet they were/are rejecting my application and giving approval to youngers with no cibil.

On 9th applied for Myzone LTF and same it is rejected with cibil hit.

I think Axis Bank rarely approves LTF cards so users get paid card either via upgrade or new application.

As i have Flipkart Paid, i can get paid Myzone. This Bank is worst and have filed the complain to rbi ombudsman portal.

 

[aryanraj]

I too started with a paid Flipkart card with 15 K limit about a year ago.

We even have a prestigious exclusive Axis 15K group here somewhere 😂😝

In past 1 year , travelled my way across 7 Axis cards to reach at Magnus 5.1 L. and axis has never rejected my applications.

So just keep on using the card and build trust

lucky you. i had success with ICICI 4 Cards

 

[Chaitanya-a]

Card once issued paid, 99.9% chance it will not convert into LTF. Yes, Axis ACE is only card i think is worth if someone hold HDFC millennia

No I was talking about another LTF card.

But Millenia Debit card has capping of ₹400 no. And that too comes after 90 days. Transaction should be above ₹400 as well. So many restrictions.

 

[aryanraj]

No I was talking about another LTF card.

But Millenia Debit card has capping of ₹400 no. And that too comes after 90 days.

yes, there is also amazonpay cc 1.5% online spend. axis is gold depends on user spend

 

[Chaitanya-a]

yes, there is also amazonpay cc 1.5% online spend. axis is gold depends on user spend

Amazon pay gives 1% for online spends.

 

[anirbanm]

I too started with a paid Flipkart card with 15 K limit about a year ago.

We even have a prestigious exclusive Axis 15K group here somewhere 😂😝

In past 1 year , travelled my way across 7 Axis cards to reach at Magnus 5.1 L. and axis has never rejected my applications.

So just keep on using the card and build trust

You have 7 active primary holder Axis CCs ?

 

[Rahul92]

You have 7 active primary holder Axis CCs ?

Obviously Not. 3 active (ACE , Vistara, Magnus) , rest 4 cancelled / upgraded ( Flipkart , Myzone , Select , Indian Oil )

 

[aryanraj]

Hmm, so i asked the PNO that i would like to go with flipkart cc and sb account closure and the card disappeared today and closed without any final confirmation, neither they sent me any email that my card is now closed.

 

[Chaitanya-a]

Hmm, so i asked the PNO that i would like to go with flipkart cc and sb account closure and the card disappeared today and closed without any final confirmation, neither they sent me any email that my card is now closed.

Is it? So unprofessional from them.

 

[aryanraj]

Is it? So unprofessional from them.

I get it that they closed it but atleast should have sent the email that we have closed the card. luckily there was no due, who know if they closed it with pending dues.

 

[maulik]

So, I have been trying to get Axis Card from last year but the application was keep getting rejected. Same "Internal bank policy" and had almost lost the hope. 2year ago applied for LTF flipkart (Rejected), Applied for MyZone LTF last year (Rejected) and after 1 week of this i applied for Flipkart Paid CC was approved with 15k limit.

However i recently came to know that one of my young friend which just aged 18 and got his PAN got approved for Flipkart Axis card with 55K limit. I had 5L ITR filed yet they were/are rejecting my application and giving approval to youngers with no cibil.

On 9th applied for Myzone LTF and same it is rejected with cibil hit.

I think Axis Bank rarely approves LTF cards so users get paid card either via upgrade or new application.

As i have Flipkart Paid, i can get paid Myzone. This Bank is worst and have filed the complain to rbi ombudsman portal.

Giving such youngsters higher limit also could be the Internal Bank Policy (read trap) to make them spend higher and then earn interest of 35-40% in case such guys spend without thinking of consequences.