bing1309
TF Premier
Experience with Axis Reserve to get when new terms are implemented
Hello Everyone,
I wanted to share my experience with how I acquired the Reserve of Axis CC.
Axis: Account opened in December 2022 as a basic account with too many charges in it.
Axis: 2022 Dec opened an account and applied for a credit card 15 days after opening the Indian oil LTF Rupay variant (basic card for a basic account).
Axis Credit Card approved: via an agent coming to my home and taking pictures of me and my office. I had an SB bank CC secured for 4 years and have never been taught about any bank in the past 4 years.
The guy who came was reluctant to have office space, so I had to show it to him and take a picture of it, and he approved it in the app. and the second day after his verification was completed, I got a CC limit of 3.27L with the card showing in my net portal, so all is well.
Next, I visited the bank after 3 months with many complaints like a blocked card, etc., and opened the current proprietor's account. It was good to build a relationship with banking people by coming multiple times to the bank so I got to know them better, then slowly started to upgrade accounts from normal to priority, then I raised multiple requests via the branch for a limit increase for credit cards and was rejected four times and asked from PNO via dropped mail, and then they did CIBIL Hit and rejected. Rejection the PNO etc did not tell but after backend bank talking with Credit card team internally they said HDFC many cibil hit for credit card, yes i check for CC what HDFC offered and it hit my cibil so they did not give told come after 6 months but i did not wait for that long So what to do i taught, then dropped a ball for Reserve Credit and they said IT papers needed I gave they said they will try to get so on October 1st week applied, done via offline mode and got a message from credit card agent the approval wont given as itr low won't match reserve and capital gain etc but did not reject the application my ITR came to 14L and not matching Reserve criteria then had told try getting multiple approvals, in the meanwhile as the application was already opened I had preapproved offers in axis all cards except reserve, so applied for Samsung infinite CC which is very useful for me and it was approved card showed, no damage or rejections of offline CC application opened etc. So now, coming back to the bank, the approval of bosses under CC was crazy. The agent CC boss did not handle it well; he had sent for ITR papers for approval their boss to approve and acc is a priority for this one more approval and one more as casual recommendation approval, the backend CC team got confused and sent a return mail to branch for deviation approval as to give me customer profile (why so much influence done for him), how much funds in his account and what business he has given, etc.
banks said to me we got a deviation mail instead of getting CC application rejection on December 15th, and then they made some calls behind to CC and asked how much must be, etc. They said 50L in savings and 1CR in the current account, and other businesses like family banking accounts holding funds, FDs of family banking or ULIP plans, etc., to consolidate and give it to them (OGS Statement). As I had a very good relationship with them, just talking to them, I said, First, let me upgrade to a Burgundy account. Once done, then again deviation mail conditions were changed (turns out nothing much for Burgundy customer CC team asks). I asked for the total relation and funds in ACC, and I told the bank I could do a max of 70L considering saving the current proprietor, family banking, etc. I parked funds in savings just for one day. Once you consolidate the printout, that is when the final OGS will be generated, and I will send the funds to my other account, bank, etc. They also said the same: no issues; we just want one printout from our system to show them nothing else; once we print, you make an account zero; we are least bothered. I said fine, and they said by the 30th funds must be in account as the 30th it's auto-generated a quarterly balance, etc., hence I have done the same. Now the next problem opened up: the OGS is not generated for Burgundy. It turns out the fund’s calculations are done each month, from the 1st to the last day of the month (27th, 28th, 29th, 30th, or 31st), so we had to put the funds in the axis back and wait until OGS was generated. Now that I am a Burgundy account holder, I wanted to upgrade my credit card from Indian Oil Rupay, and to my surprise, they said they could upgrade. I said upgrade to Select CC, and it was done. Then I was asking if I could apply for a fourth card. The backend main CC approval guy called and said it was not possible. We have stopped now. The max is 3 cards, so now I am going to close Select CC because it won’t work out for me. OGS were generated on January 5th, and fund calculations were shown. They generated a PDF, and that’s it. The deviation approval mail was sent from the branch, and that’s it. The reserve was approved. The card started to show up in my account on January 19, 2024. The card was delivered to me at the end of January with a limit of 6 lakhs, and all other cards' limits changed to 6 lakhs, so CIBIL shows each card as 6 lakhs, which is good for me. So my CC limit also increased, and I got my required card; that's a plus for me.
In this whole period, I understood certain things.
For Reserve, new conditions are implemented for joining inside it.
Then I called Customer Care for the Axis 4th card. First, they said they could not issue a 4th card because, as per Axis policy, there were only 3 cards and stated that up to September such an option existed, etc., so I said to check thoroughly on my account, and they said no worries, sir! We can issue a 4th credit card for your account as we are getting an option to do the same. Once I get the 4th card, I will inform you of the same. For now, I have wanted a new CC from Axis after the devaluation of Vistara Infinite. I am thinking of a new card that will launch soon from the axis.
I never took into account the annual fee, joining, etc. because I am not worried about this part. Once the reserve is on your CC list, when you call customer care with the reserve's last 4-digit confirmation, your case or request will be properly addressed, which I have observed, and in return, prompts will tell you why they can't tell you what the actual issue is, etc., which is good for me instead of telling internal policy, etc.
Observation
1. About Visa Infinite, this card is a true Visa Infinite card. Any offers that run on Visa Infinite, this card works flawlessly. As I have Samsung Visa Infinite and Niyo Global CC Visa Infinite, these 2 cards are not true Visa Infinite cards, so watch out.
2. As per the new terms, Axis has removed the Add ON card Priority Pass terms; in actuality, it's false. You will get a priority pass for add-on card holders, so don't worry about this; it's clear in the new booklet, and even the Axis CC internal team confirmed the same from card printers to dispatch IT backend, etc.
Attaching images of the 2024 Reserve, I hope it helps you with the benefits details, etc. (edited images to hide the name core details, etc.).
Thank you.
Hello Everyone,
I wanted to share my experience with how I acquired the Reserve of Axis CC.
Axis: Account opened in December 2022 as a basic account with too many charges in it.
Axis: 2022 Dec opened an account and applied for a credit card 15 days after opening the Indian oil LTF Rupay variant (basic card for a basic account).
Axis Credit Card approved: via an agent coming to my home and taking pictures of me and my office. I had an SB bank CC secured for 4 years and have never been taught about any bank in the past 4 years.
The guy who came was reluctant to have office space, so I had to show it to him and take a picture of it, and he approved it in the app. and the second day after his verification was completed, I got a CC limit of 3.27L with the card showing in my net portal, so all is well.
Next, I visited the bank after 3 months with many complaints like a blocked card, etc., and opened the current proprietor's account. It was good to build a relationship with banking people by coming multiple times to the bank so I got to know them better, then slowly started to upgrade accounts from normal to priority, then I raised multiple requests via the branch for a limit increase for credit cards and was rejected four times and asked from PNO via dropped mail, and then they did CIBIL Hit and rejected. Rejection the PNO etc did not tell but after backend bank talking with Credit card team internally they said HDFC many cibil hit for credit card, yes i check for CC what HDFC offered and it hit my cibil so they did not give told come after 6 months but i did not wait for that long So what to do i taught, then dropped a ball for Reserve Credit and they said IT papers needed I gave they said they will try to get so on October 1st week applied, done via offline mode and got a message from credit card agent the approval wont given as itr low won't match reserve and capital gain etc but did not reject the application my ITR came to 14L and not matching Reserve criteria then had told try getting multiple approvals, in the meanwhile as the application was already opened I had preapproved offers in axis all cards except reserve, so applied for Samsung infinite CC which is very useful for me and it was approved card showed, no damage or rejections of offline CC application opened etc. So now, coming back to the bank, the approval of bosses under CC was crazy. The agent CC boss did not handle it well; he had sent for ITR papers for approval their boss to approve and acc is a priority for this one more approval and one more as casual recommendation approval, the backend CC team got confused and sent a return mail to branch for deviation approval as to give me customer profile (why so much influence done for him), how much funds in his account and what business he has given, etc.
banks said to me we got a deviation mail instead of getting CC application rejection on December 15th, and then they made some calls behind to CC and asked how much must be, etc. They said 50L in savings and 1CR in the current account, and other businesses like family banking accounts holding funds, FDs of family banking or ULIP plans, etc., to consolidate and give it to them (OGS Statement). As I had a very good relationship with them, just talking to them, I said, First, let me upgrade to a Burgundy account. Once done, then again deviation mail conditions were changed (turns out nothing much for Burgundy customer CC team asks). I asked for the total relation and funds in ACC, and I told the bank I could do a max of 70L considering saving the current proprietor, family banking, etc. I parked funds in savings just for one day. Once you consolidate the printout, that is when the final OGS will be generated, and I will send the funds to my other account, bank, etc. They also said the same: no issues; we just want one printout from our system to show them nothing else; once we print, you make an account zero; we are least bothered. I said fine, and they said by the 30th funds must be in account as the 30th it's auto-generated a quarterly balance, etc., hence I have done the same. Now the next problem opened up: the OGS is not generated for Burgundy. It turns out the fund’s calculations are done each month, from the 1st to the last day of the month (27th, 28th, 29th, 30th, or 31st), so we had to put the funds in the axis back and wait until OGS was generated. Now that I am a Burgundy account holder, I wanted to upgrade my credit card from Indian Oil Rupay, and to my surprise, they said they could upgrade. I said upgrade to Select CC, and it was done. Then I was asking if I could apply for a fourth card. The backend main CC approval guy called and said it was not possible. We have stopped now. The max is 3 cards, so now I am going to close Select CC because it won’t work out for me. OGS were generated on January 5th, and fund calculations were shown. They generated a PDF, and that’s it. The deviation approval mail was sent from the branch, and that’s it. The reserve was approved. The card started to show up in my account on January 19, 2024. The card was delivered to me at the end of January with a limit of 6 lakhs, and all other cards' limits changed to 6 lakhs, so CIBIL shows each card as 6 lakhs, which is good for me. So my CC limit also increased, and I got my required card; that's a plus for me.
In this whole period, I understood certain things.
For Reserve, new conditions are implemented for joining inside it.
- ITR 45 lakhs
- Salary: 3 lakhs plus
- Card to card: 15 lakhs, 1 year old (unsecured)
- Existing Axis card holders upgrading need to have a minimum 6 lakh limit.
- Closed to Invite Only
Then I called Customer Care for the Axis 4th card. First, they said they could not issue a 4th card because, as per Axis policy, there were only 3 cards and stated that up to September such an option existed, etc., so I said to check thoroughly on my account, and they said no worries, sir! We can issue a 4th credit card for your account as we are getting an option to do the same. Once I get the 4th card, I will inform you of the same. For now, I have wanted a new CC from Axis after the devaluation of Vistara Infinite. I am thinking of a new card that will launch soon from the axis.
I never took into account the annual fee, joining, etc. because I am not worried about this part. Once the reserve is on your CC list, when you call customer care with the reserve's last 4-digit confirmation, your case or request will be properly addressed, which I have observed, and in return, prompts will tell you why they can't tell you what the actual issue is, etc., which is good for me instead of telling internal policy, etc.
Observation
1. About Visa Infinite, this card is a true Visa Infinite card. Any offers that run on Visa Infinite, this card works flawlessly. As I have Samsung Visa Infinite and Niyo Global CC Visa Infinite, these 2 cards are not true Visa Infinite cards, so watch out.
2. As per the new terms, Axis has removed the Add ON card Priority Pass terms; in actuality, it's false. You will get a priority pass for add-on card holders, so don't worry about this; it's clear in the new booklet, and even the Axis CC internal team confirmed the same from card printers to dispatch IT backend, etc.
Attaching images of the 2024 Reserve, I hope it helps you with the benefits details, etc. (edited images to hide the name core details, etc.).
Thank you.
Attachments
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