Got Axis Rewards MasterCard Credit Card LTF

[✪ D&C Cards Connoisseur 💳]

I would like to share my experience of getting Axis Rewards MasterCard Credit Card Lifetime Free.
I was previously holding 3 Axis Cards (Flipkart, Neo & MyZone Visa). As MyZone Swiggy offer got devalued, I was searching for alternative to get Swiggy offer and came accross Rewards Card. Also got to know MyZone Mastercard benefit from TF. So, my story goes below as hierarchy:
1. In the first week of Feb, raised request to CC for changing MyZone network to Master else upgrading to Rewards LTF, but both declined. Asked to close MyZone visa and retention team offered 2500 points.
2. On 17th Feb, again raised request to close MyZone visa and this time CC offered 2500 points.
3. On 18th Feb, redeemed 5000 points and finallly raised request for closure of Myzone visa (official rule is card cannot be closed within 1 year if retention points are accepted but there was no check).
4. On 20th Feb, applied for MyZone Master, but application got rejected even after Cibil enquiry. Raised concern to PNO with valid RBI circular links for knowing exact reason for rejection and PNO suppressed Cibil enquiry.
5. Exactly after one month, on 18th March I applied for LTF Rewards MasterCard through bank emloyee (Rewards Master is only shown it their tab and not Visa or Rupay). Cibil enquiry done on 22nd March, and boom ! card got approved on 25th March. Card dispatched today through Bluedart courier.

Some key points:
1. Rewards LTF cards get approved only if you monthly salary is above 50k.
2. Axis bank employees can apply any Axis card LTF, from basic to super premium. I personally have seen the option, don't ask me how, sorry can't disclose.



Note: To prevent spam, I can share the bank employee number if you are available to meet him only between Joka to Alipore in Kolkata. And the mandatory pre-requisite are your monthly income should be above 50K and you should not hold 3 Axis cards. If these criteria fulfills, DM me.

 

[Gau₹av]

There are two codes in the dropdown, one is for paid & other is for LTF. Once LTF code is applied, then in the card's dropdown list, it showed all card variants right from Neo to top cards like Select, Magnus, Atlas, etc. Haven't checked other cards network, but for Rewards, only Master was showing. Not sure for paid code, if Visa & Rupay are there. The card network doesn't matter for me, because bin of Neo & Rewards are different even for Master. You know what I mean to tell 😀

Do you think/know this Rewards Mastercard LTF was a limited period offer or this particular variant is LTF like Neo is on RuPay throughout the year?

 

[✪ D&C Cards Connoisseur 💳]

Do you think/know this Rewards Mastercard LTF was a limited period offer or this particular variant is LTF like Neo is on RuPay throughout the year?

Not any particular offer. Any knowledgeable Axis Credit Card employee can provide you any LTF card at any point of time through out the year. You just need some good channels or rapot i.e. the key of hitting right person.
For my case, I called another former Axis Credit Card employee who helped me with LTF Neo & MyZone earlier and lives near to my home. Was unaware he moved to Kotak. But he referred me one of his closest friend from another branch who did the work for me.

 

[Gau₹av]

Not any particular offer. Any knowledgeable Axis Credit Card employee can provide you any LTF card at any point of time through out the year. You just need some good channels or rapot i.e. the key of hitting right person.
For my case, I called another former Axis Credit Card employee who helped me with LTF Neo & MyZone earlier and lives near to my home. Was unaware he moved to Kotak. But he referred me one of his closest friend from another branch who did the work for me.

In my case some bad things happened this year. In the past, I had My Zone Visa card only. Closed it long ago to get Neo RuPay. This year, I already had Neo RuPay, Axis Ace and Kiwi RuPay. I closed Axis Ace in Feb as well as Neo RuPay. Then applied for My Zone MC. Still it was declined. On the same day it was declined, I was offered Airtel Axis Mastercard pre-approved in Axis Mobile so took it reluctantly. Pushed hard to Axis PNO for RuPay variant of Airtel Axis but declined like everyone else. So I lost 2 cards but gained only 1. I applied for My Zone then OFFLINE via agent but that too was declined. And then after it was declined, 1 idiot came to my house today to complete home address verification and said sometimes you get declined message but later on card is approved. So I don't know currently the status of My Zone but mostly it's declined. I'll apply for it now offline C2C after 3 months cooldown even though I had heard that there is no cooldown for offline card processing. Dunno why they declined then.

Have threatened PNO with 2 RBI ombudsman complaints for 2 rule violations:
1. Not telling reason for declining of My Zone, not even any justified reason after closing 2 cards - Ace + Neo RuPay
2. Not allowing Airtel Axis card on RuPay

 

[✪ D&C Cards Connoisseur 💳]

In my case some bad things happened this year. In the past, I had My Zone Visa card only. Closed it long ago to get Neo RuPay. This year, I Neo RuPay, Axis Ace and Kiwi RuPay. I closed Axis Ace in Feb as well as Neo RuPay. Then applied for My Zone MC. Still it was declined. On the same day it was declined, I was offered Airtel Axis Mastercard pre-approved in Axis Mobile so took it reluctantly. Pushed hard to Axis PNO for RuPay variant of Airtel Axis but declined like everyone else. So I lost 2 cards but gained only 1. I applied for My Zone then OFFLINE via agent but that too was declined. And then after it was declined, 1 idiot came to my house today to complete home address verification and said sometimes you get declined message but later on card is approved. So I don't know currently the status of My Zone but mostly it's declined. I'll apply for it now offline C2C after 3 months cooldown even though I had heard that there is no cooldown for offline card processing. Dunno why they declined then.

Have threatened PNO with 2 RBI ombudsman complaints for 2 rule violations:
1. Not telling reason for declining of My Zone, not even any justified reason after closing 2 cards - Ace + Neo RuPay
2. Not allowing Airtel Axis card on RuPay

Axis is axis bro and they have done special expertise in magic. I have seen people getting cards approved even after receiving rejection messages.
Application through agents doesn't have cooling period. If that would have happened, I wouldn't have got Rewards CC. PNO told to wait for 6 months, but applied offline after 1 week and it's approved.
PNO will never tell you rejection reason, rather they can supress Cibil enquiry.
Axis only allow selection / change in Network only during new card issuance / card renewal and that's a loophole of RBI circular.

 

[Riva]

Yes you too can check. Open any other cards, say go with MyZone, there is clearly written spend based criteria for lounge, but in case of Rewards, there is nothing such. Checked with customer care too. Thinking of mailing them for written confirmation.

Rewards card is spend based for domestic lounge access. See the attachment, point 2 item 4. Only Burgundy Private, Reserve and Atlas do not have a spend for domestic lounge access.

 

[✪ D&C Cards Connoisseur 💳]

Rewards card is spend based for domestic lounge access. See the attachment, point 2 item 4. Only Burgundy Private, Reserve and Atlas do not have a spend for domestic lounge access.

Thanks buddy. The condition looks dicy. Let me mail them for exact answer, if needed to PNO too.

 

[Anshit]

Yes you too can check. Open any other cards, say go with MyZone, there is clearly written spend based criteria for lounge, but in case of Rewards, there is nothing such. Checked with customer care too. Thinking of mailing them for written confirmation.

It's very Confusing, They have not mentioned on the app but many other portals confirm it has spend based criteria, better get a confirmation on email

 

[Riva]

Thanks buddy. The condition looks dicy. Let me mail them for exact answer, if needed to PNO too.

Yea, you can mail PNO. But with Axis, their top cards with fees such as M4B (30k fee) Magnus (12k fee), etc all are spend based for lounge access. They have not even given these cards the benefit. How will they give a 1k fee card free lounge access??

 

[Gau₹av]

Axis only allow selection / change in Network only during new card issuance / card renewal and that's a loophole of RBI circular.

My Axis Airtel was new issuance only yet declined. I plan to give them some hell with RBI's help soon

 

[IDontThinkSo]

Only below Axis Bank Cards have spend criteria waived off:

Burgundy Private , Reserve , Olympus , Primus , Horizon , and Atlas.

Every other card card beside above mentioned has spend based criteria even 30K fees M4B need spends for lounge access.