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Flipkart Axis bank CC Offer Without Income Proof - C2C Method

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bbiswas

bbiswas

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i am a student, age 22 , i have only SBI CC limit 1.20 lacs, My card just 2 months old, cibil- 776, today i got flipkart axis bank cc offer without income proof....can i apply or not? from last 2 months i apply axis freecharge cc and bajaj finance emi card and idfc card but all are rejeced....
 

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kochiro said:
I have icici FD card(72k) since January, sbi card(19k) since march and recently received hdfc(50k) no statement yet. Axis rejected my application multiple times without even asking for any documents. Flipkart app used to generate cibil enquiry even for a misclick on Flipkart cc link. How and when should I apply C2C ?
Click to expand...


Wait for 5-6 months, if possible open 10k mab a/c in axis and operate it as main a/c, you will get pre-approved offers. Axis is hard to get cc from if you don't have a/c with them but when you do its also easiest.

You can try applying for ICICI amazon pay card though, they usually give it easily to people already holding ICICI card. I also got mine that way.
 
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AllSeeker said:
Wait for 5-6 months, if possible open 10k mab a/c in axis and operate it as main a/c, you will get pre-approved offers. Axis is hard to get cc from if you don't have a/c with them but when you do its also easiest.

You can try applying for ICICI amazon pay card though, they usually give it easily to people already holding ICICI card. I also got mine that way.
Click to expand...
I thought about opening axis account but they saw multiple posts of their greed and charging users in the name of consolidatory chargers. I also tried applying for apay card and it was paperless but got rejected.
 
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AllSeeker said:
Wait for 5-6 months, if possible open 10k mab a/c in axis and operate it as main a/c, you will get pre-approved offers. Axis is hard to get cc from if you don't have a/c with them but when you do its also easiest.

You can try applying for ICICI amazon pay card though, they usually give it easily to people already holding ICICI card. I also got mine that way.
Click to expand...
Which varient of axis is best which don't come with hidden changes for anything (something equivalent of savings max of hdfc). I can park 1 lac for few months in there.
 
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kochiro said:
Which varient of axis is best which don't come with hidden changes for anything (something equivalent of savings max of hdfc). I can park 1 lac for few months in there.
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Axis has lot of charges no matter the accounts, I had used 10k mab when I did this myself, used it for 6-7 months got my one cc, downgraded to pmjdy a/c in 2-3 months ans now I've gone through 4 different axis cc and currently holding 3 with 2 of them being LTF.
 
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bbiswas said:
i am a student, age 22 , i have only SBI CC limit 1.20 lacs, My card just 2 months old, cibil- 776, today i got flipkart axis bank cc offer without income proof....can i apply or not? from last 2 months i apply axis freecharge cc and bajaj finance emi card and idfc card but all are rejeced....
Click to expand...
Bro How You're Having Such A High Limit In SBI
 
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bbiswas said:
i am a student, age 22 , i have only SBI CC limit 1.20 lacs, My card just 2 months old, cibil- 776, today i got flipkart axis bank cc offer without income proof....can i apply or not? from last 2 months i apply axis freecharge cc and bajaj finance emi card and idfc card but all are rejeced....
Click to expand...
You Can Apply Now Provided That You Can Spend The Required Amount To Reverse The Annual Fees
 
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kochiro said:
Wait there is no limit on upi ?
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Number of UPI limits are there for all accounts across all banks, as this is limit enforced by UPI I think rather than banks which ends up in charges after you cross that number of UPI. Not sure about upper limit in UPI amount transfer though, never got there. HIgher amounts always do NEFT and IMPS
 
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I got a call from Axis Bank (different branch from my CBS). She asked me to apply for the card upgrade offer, as my MyZone card was 3 months old, and Axis bank offers C2C with instant approval in such cases. When the lady called, and I checked, I found that the Flipkart card was not LTF. So, I was refusing to apply for that card. So, after some chit-chatting, she said that she would convert the card to LTF-no spend condition of Rs 2 lakh required. I was not convinced, so she said, if she wont convert the card, she would pay me Rs 1000/- from her pocket. Still I repeatedly asked her if she was telling the truth. She said that I could record the call. I use iPhone. So I didn't know how to record, so I asked her to send me Whatsapp chat. She gave me her branch IFSC Code, her employee code and also clearly mentioned that the Flipkart card would be converted to LTF (in the whatsapp chat). I received the card on Friday (10 June 2022) but an amount of Rs 590/- was there (as Joining fees). I told her through Whatsapp again. She said she would email her colleagues on Monday (13 June 2022). Now,

  1. Do Axis Bank employees have this power to convert to LTF?
  2. If she does, (in my case), what about the Joining charges?
  3. What can I do , in case she refuses to convert my card to LTF?
  4. How will I know that my card has been converted to LTF?
 
Last edited:
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AsishB said:
I got a call from Axis Bank (different branch from my CBS). She asked me to apply for the card upgrade offer, as my MyZone card was 3 months old, and Axis bank offers C2C with instant approval in such cases. When the lady called, and I checked, I found that the Flipkart card was not LTF. So, I was refusing to apply for that card. So, after some chit-chatting, she said that she would convert the card to LTF-no spend condition of Rs 2 lakh required. I was not convinced, so she said, if she wont convert the card, she would pay me Rs 1000/- from her pocket. Still I repeatedly asked her if she was telling the truth. She said that I could record the call. I use iPhone. So I didn't know how to record, so I asked her to send me Whatsapp chat. She gave me her branch IFSC Code, her employee code and also clearly mentioned that the Flipkart card would be converted to LTF (in the whatsapp chat). I received the card on Friday (10 June 2022) but an amount of Rs 590/- was there (as Joining fees). I told her through Whatsapp again. She said she would email her colleagues on Monday (13 June 2022). Now,

  1. Do Axis Bank employees have this power to convert to LTF?
  2. If she does, (in my case), what about the Joining charges?
  3. What can I do , in case she refuses to convert my card to LTF?
Click to expand...
1. Yes, but depends on one's position in hierarchy and your customer value.

2. If she does it will be reversed.

3. Time to visit escalation matrix, axis is notorious for doing this but usually if you have proofs and can escalate, it can be your benefit.
 
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AllSeeker said:
1. Yes, but depends on one's position in hierarchy and your customer value.

2. If she does it will be reversed.

3. Time to visit escalation matrix, axis is notorious for doing this but usually if you have proofs and can escalate, it can be your benefit.
Click to expand...
How will I know that my card has been converted to LTF?
 
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