Cooling Period for All Bank Credit Cards

[BVC]

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.

 

[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

 

[BVC]

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

 

[BVC]

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.

 

[BVC]

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.