Does waiting help to get a better credit limit on Axis cards?

resurrectedaf19 · Feb 16, 2023

I have received a pre-approved offer for Axis Bank credit cards, specifically the Flipkart, IndianOil, and MyZone cards, but the credit limit offered is only Rs. 44,000. If I don't accept this offer now, is there a chance that the credit limit may be increased later?

resurrectedaf19 · Mar 3, 2023

akshayhs said:
The lasy year around the same time, they were offering the same card as LTF just like distributing chocolates to children.

I'm feeling hesitant about trusting Axis Bank on this matter and concerned that they might backtrack on the LTF offer once I receive the card. Do you recommend sending an email to Axis Bank to confirm the LTF offer before proceeding?

akshayhs · Mar 3, 2023

resurrectedaf said:
I'm feeling hesitant about trusting Axis Bank on this matter and concerned that they might backtrack on the LTF offer once I receive the card. Do you recommend sending an email to Axis Bank to confirm the LTF offer before proceeding?

Go ahead.

dileep · Mar 3, 2023

is any one got le for axis magnus, my limit is 4 lakhs iam using half of the limit is there any problem with cc utilisation in cbil

anirban.choudhury · Mar 3, 2023

I have not received any auto LE on my axis cards yet.
However I have requested for a manual LE through salary slips for my Magnus , requested them to increase limit to 15 lakhs from 10 lakhs

anirban.choudhury · Mar 3, 2023

dileep said:
is any one got le for axis magnus, my limit is 4 lakhs iam using half of the limit is there any problem with cc utilisation in cbil

Don’t utilise half of the limit on your card. Keep 30% utilisation

More than 30% utilisation is often seen as credit hungry profile

moneydeep · Mar 3, 2023

Get it. I had axis neo with 50k limit. After a few years it’s now 4L.
Getting Magnus now and total aggregate limit is showing 20L.

dileep · Mar 3, 2023

anirban.choudhury said:
Don’t utilise half of the limit on your card. Keep 30% utilisation

More than 30% utilisation is often seen as credit hungry profile

ya is it based on all the cards utilisation r only based on single cc

Strange · Mar 3, 2023

resurrectedaf said:
I just wanted to provide you with an update. Over the past week, I have been receiving 2-3 calls every day from Axis Bank executives offering me a lifetime-free Flipkart card. However, I was initially skeptical of their intentions because I haven't heard of anyone receiving the card as a lifetime-free option now, and I thought they might be trying to sell it under false LTF pretenses. But today when I checked in the Axis Bank app, I discovered that the Flipkart card is indeed available as a lifetime-free option. Also I have the option to apply for the Axis Ace card. However, it is not available as LTF.
If you have any suggestions or guidance to offer, I would be grateful to hear them.View attachment 11138

@Batmanbaba Are you getting pre approved cards as LTF too? Btw you said Axis doesn't offer LTF cards in pre approved offer anymore but I think they started provided LTF for selected customers.

Dheeraj Singh · Mar 3, 2023

I have two lifetine free cards from axis bank. One is flipkart one which i got 15 months back with 24k limit (enhaced to 39k after 9 months of use). Six months back i got My zone with limit shared with flipkart card.

My credit limit increase requests (with salary slips) have been denied by axis bank twice. Even escalating to PNO didn't work.

So, i assume they are very conservative about giving higher credit limit to LTF cards. I have 13 cards in total with 3 year+ credit history and limit as high as 4.9L in ICICI and 2L in SBI and HDFC.

Dragon_slayer · Mar 3, 2023

Get the card and use it for 1 year, they will automatically offer you higher limits next year.

Deleted member 5552 · Mar 3, 2023

Strange said:
@Batmanbaba Are you getting pre approved cards as LTF too? Btw you said Axis doesn't offer LTF cards in pre approved offer anymore but I think they started provided LTF for selected customers.

I saw many videos and screen shots of pre approved LTF offers recently. These all depend on Bank's decision

Batmanbaba · Mar 4, 2023

Strange said:
@Batmanbaba Are you getting pre approved cards as LTF too? Btw you said Axis doesn't offer LTF cards in pre approved offer anymore but I think they started provided LTF for selected customers.

i am getting 2nd card as pre approved but none of them is ltf....im being shown flipkart,aura,neo and indian oil card

resurrectedaf19 · Mar 5, 2023

I wanted to take a moment to thank you all for your valuable suggestions. I applied for the Flipkart Axis card today and received an instant approval. It feels great to have finally taken this step, and I couldn't have done it without your guidance. I am also able to see the last four digits of the card in the credit card section of the Axis mobile app, which gives me even more confidence that everything has gone smoothly. Thank you all again for your help!

Phonix_YT · Mar 5, 2023

resurrectedaf said:
I wanted to take a moment to thank you all for your valuable suggestions. I applied for the Flipkart Axis card today and received an instant approval. It feels great to have finally taken this step, and I couldn't have done it without your guidance. I am also able to see the last four digits of the card in the credit card section of the Axis mobile app, which gives me even more confidence that everything has gone smoothly. Thank you all again for your help!
View attachment 11209

is this pre approved offer?

resurrectedaf19 · Mar 5, 2023

Yes, I received the pre-approved offer which included a total of six cards. Out of these, the Flipkart and IndianOil cards were available as lifetime-free options.

Phonix_YT said:
is this pre approved offer?

resurrectedaf19 · Mar 17, 2023

Update:
My Flipkart Axis card, a MasterCard variant, arrived yesterday. The welcome letter confirmed that there are no joining or annual fees associated with this card, making it an LTF card. I would like to express my sincere appreciation to all of you for your invaluable assistance and recommendations. Thank you very much!

Batmanbaba · Mar 17, 2023

resurrectedaf said:
Update:
My Flipkart Axis card, a MasterCard variant, arrived yesterday. The welcome letter confirmed that there are no joining or annual fees associated with this card, making it an LTF card. I would like to express my sincere appreciation to all of you for your invaluable assistance and recommendations. Thank you very much!

How u got ltf..... As no ltf offer currently going for it

Strange · Mar 17, 2023

Batmanbaba said:
How u got ltf..... As no ltf offer currently going for it

He got LTF in pre approved offer.