Cooling Period for All Bank Credit Cards (Pre Approved Offers Excluded)

[BVCBVC is verified member.]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	6 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms

Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also.

Update as on 21-10-2024: IDFC Bank old trick of changing mobile number and applying is patched.

Update as on 26-11-2024: IndusInd Credit Card cooling period has been changed to 6 months as per the user reported.

 

[Gaara]

No Cooldown

Axis not 6 months?

 

[Vasuki]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	3 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
One Card, Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months

Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also.

Correction -
Idfc has no cooldown period once application lead get deleted after rejection also
U can apply

I applied from same number within span of less than 3 months .
2- axis no cool down for offline process (100% confirmed)

Axis not 6 months?

If rejected online application yes
For offline application no

 

[BVCBVC is verified member.]

My Magnus got rejected in Nov 2022 and got approved in Jan 2023.

 

[BVCBVC is verified member.]

Correction -
Idfc has no cooldown period once application lead get deleted after rejection also
U can apply

I applied from same number within span of less than 3 months .
2- axis no cool down for offline process (100% confirmed)

If rejected online application yes
For offline application no

Yes, I have mentioned in the bracket the same. Technically as per bank 6 months but you can apply with different mobile number instantly.

You can delete the application lead number by calling customer care and apply with same mobile number.

 

[BVCBVC is verified member.]

Correction -
Idfc has no cooldown period once application lead get deleted after rejection also
U can apply

I applied from same number within span of less than 3 months .
2- axis no cool down for offline process (100% confirmed)

If rejected online application yes
For offline application no

Yes for Axis mine was offline process and approved after rejection within 1.5 months.

 

[pradeepG]

Federal : 90 days confirmed from CC.

 

[HumorSimpson]

Agree Axis CCs has no cool down but fool down.

 

[Sathishmani]

What about HSBC? One executive told, we can apply immediately. other one said after 45 days

 

[BVCBVC is verified member.]

Federal : 90 days confirmed from CC.

Updated as per your information.

 

[BVCBVC is verified member.]

What about HSBC? One executive told, we can apply immediately. other one said after 45 days

Someone please confirm, I don't have any HSBC Cards.

 

[SunnyM]

One card is given as pre approved only and once you cancel the card you cant get it again.

 

[BVCBVC is verified member.]

One card is given as pre approved only and once you cancel the card you cant get it again.

Yes, Updated .

 

[opaque]

HDFC - it says 60 days

 

[TechnoFi]

RBL bank not deleted my cc application lead after 90 days, what to do next ?

 

[anonymuos]

This is cooldown period for application (regardless of approval or rejection). But I heard some banks also have cooling period after closing a credit card, meaning you cannot immediately apply for a new different CC after closing one from the bank. Is that so and if yes, which banks have this nonsense?

 

[unit vector]

which banks have this nonsense?

I closed my Yes bank uni card but before closing retention team warned me about 6 months cooling period after which I can apply for a new card.

 

[Aniket]

This is cooldown period for application (regardless of approval or rejection). But I heard some banks also have cooling period after closing a credit card, meaning you cannot immediately apply for a new different CC after closing one from the bank. Is that so and if yes, which banks have this nonsense?

Kotak's Retention Team and CC told me 6 months for this nonsense, 1.6 years ago. 😂

 

[hellobois]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	3 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms

Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also.

Your can get the application ID deleted after 1 month in case of AU as well. I think your should update the table as per various inputs received.
This would be a master reference thread for everyone.
Thanks for the efforts 😊 😊

 

[Sahil_07]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	3 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms

Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also.

sbi 3 months. pno officer said so