Got my dream card today, Axis ACE.

[Patil007]

😍

I am very happy today, As I got my dream card, Axis ACE.

I am normal spender, so I never dreamt for super premium cards, ACE was my dream card and got it today. All thanks to this wonderful @TechnoFino community 💕.
My other spend is more and Ace is perfect for that, also Utility bill payment is add on to that.

I am using GPay since very long but never got ACE banner or maybe it was there but I was not aware about credit card much before this community exist. but by reading ACE threads in this community, I come to know that we can apply from family members account as well.

My brother use only one UPI app i.e. GPay for all spend including utility bill payment. I checked his GPay and banner was there and applied from his account (His mobile number, email + my PAN card) and done. Instantly video Kyc done and on 7th day, I got card 👍🙂

 

[Patil007]

You got Zomato on Visa or MC platform?

MC

 

[Patil007]

What will be the house rent for that house?

And are we talking about middle class people here, right? I need to adjust my mind w.r.t that. 🙂

Yes, for middle class, light bill will be range between 2-3K/Month with 2BHK. Which I am paying.

 

[Patil007]

But as salaried, we are planning to buy washing machine which will increase that bill 😅

 

[SiddharthR]

- DTH - Usually a year pack comes with a discount of 10-20% depends on negotiating skills.

How?

 

[Deleted member 5552]

Do consider below points before opting for new enquiry and entry in your CIBIL report.

Ace Features:

Online -

- 10% off during axis sales + 2%
- Bill payment - 5% (Electricity, water, gas, LPG and broadband, DTH and mobile recharges through Google Pay*)
- Swiggy, Zomato and Ola** 4%

Offline - 2%

Cashback shall not be eligible for following,
o Fuel Spends
o EMI related transactions
o Wallet loading transactions
o Cash advances
o Rent related transactions
o Gold/jewelry items and insurance premium

Few notes regarding Features:

Not much useful for...

- Swiggy/Zomato - always has >4% ex. 100rs. offer most of the time.

- Electricity/gas/LPG - 10% discount on amazon pay with IndusInd/BOB (upto 500) or with amazonpay voucher (~5%+ if purchased properly).

- Broadband - Usually a year pack gives 10-20% with some additional benefits (1 or 2 months free for 12 months pack).

- Mobile Recharges - Usually a year pack comes with a discount of 15-20% (ex. airtel 2% instant discount + 10%+ discount compared to quarterly packs).

(Combine both Broadband and Mobile Recharges with amazon pay/paytm coupons or offer for extra benefit).

- DTH - Usually a year pack comes with a discount of 10-20% depends on negotiating skills.

- Not useful for Grocery/Departmental Stores/Movies/Dining (compared with other cards, e-vouchers, and better offers).

----
To recover 590Rs. with
5% = 11,800
2% = 29,500
have to spend on this card (provided no other benefit or discount with other cards which increases this spend amount considering effective rate).

Note: Above consideration user has other cards like AU/BOB/SBI Cashback or equivalent cards and must be used for personal use and not for commercial purpose.

Note: Above consideration if someone paid < 3000 electricity bill.

Paytm wallet load is eligible for cashback if merchant name shows Paytm Noida 🙂

 

[Chaitanya-a]

What is the process for Airtel card from airtel thanks app? Income docs, address proof, and verification happens or instant? Here person doesn't have Axis account and good CIBIL score only.

Income docs- No
Address proof- No
Verification- No
Just fill the application and complete the VKYC. Card won't get generated instantly but after 3-4 working days.

If you've good credit score and you are able to fill the application (as most of the ppl are not getting invite), then it'll get approved most probably.

 

[Patil007]

Income docs- No
Address proof- No
Verification- No
Just fill the application and complete the VKYC. Card won't get generated instantly but after 3-4 working days.

If you've good credit score and you are able to fill the application (as most of the ppl are not getting invite), then it'll get approved most probably.

As I have started to use Airtel app with UPI now, if I get invite, will Axis approve it? as I recently got ACE.

 

[Chaitanya-a]

As I have started to use Airtel app with UPI now, if I get invite, will Axis approve it? as I recently got ACE.

I would suggest to wait for 3 months. Although I'm not aware of this cooling period as I got my 2nd Axis card via call.

 

[SiddharthR]

If you've good credit score and you are able to fill the application (as most of the ppl are not getting invite), then it'll get approved most probably.

What are the chances of approval for no CIBIL generated person?
Or what should be done if invite is present but no CIBIL yet?

 

[Chaitanya-a]

What are the chances of approval for no CIBIL generated person?
Or what should be done if invite is present but no CIBIL yet?

Axis generally don't give cards to no CIBIL person. So don't apply now.
Instead, the person should open FD based card (IDFC Wow is easiest to get) and wait for atleast 3 months to apply for Axis cards.

 

[Patil007]

What are the chances of approval for no CIBIL generated person?
Or what should be done if invite is present but no CIBIL yet?

No CIBIL, instantly rejected as per my knowledge.

 

[Patil007]

Yeah only problem is that email ID & Phone no. Because OTPs and transaction details will be sent there only.
So let us all know if you'll be able to edit it or not. As banks are hesitant towards changing these details.

Yes, we can update from Axis mobile app.

I have updated mobile and email today and it is done.

 

[Deleted member 5552]

View attachment 9319

When? 😄

 

[Patil007]

When? 😄

 

[Arth akolia]

Insurance payment fetches 2% in case of axis ace?

 

[srichaitanya]

Insurance payment fetches 2% in case of axis ace?

insurance and gold removed from cashback.

 

[Arth akolia]

Cashback shall not be eligible for following,
o Fuel Spends
o EMI related transactions
o Wallet loading transactions
o Cash advances
o Rent related transactions
o Gold/jewelry items and insurance premium

Official no.

If there are some tricks, you might get.

Sir plz share if any trick...my insurer not on amazon as well

 

[Chaitanya-a]

Sir plz share if any trick...my insurer not on amazon as well

Axis FreeCharge card gives 5% Cashback on insurance premium. But charges around 2% service charge. So effectively 3% cashback.

 

[jack333]

Amazon doesn't allow electricity bill payment of >15k through vouchers/credit cards.
Also the max bill that can be paid is 25k, it doesn't allow more than that.

On GPay the limit is 1 Lakh (Flat 5% cashback using ace) i.e. paying 1 bill of just 12k recovers your fees.(waived off on spending 2 Lakhs)

I applied when GPay was offering 500 cashback on approval of card and joining fee waived on spending just 10k within 45 days.
This effectively made my card free for atleast 2 years.

P.S. if you have high utility bills, this is a no nonsense card. Also flat 2% on each spend (except fuel, wallet etc.) makes the deal even sweeter.

Is it 10k or 15k limit for bill payment through amazon gift card balance?

 

[Rahul Gupta]

Only problem with address proof, current address proof for the applicant not available, so checking about what is the requirement in KYC?

Also, any idea about income requirement, how much needed or show if conditionally approved?

+1