Finally, today I closed my 2-year-old Airtel Axis Bank credit card, and I am very happy with my decision. Today, I want to share some insights about this card that you won't find anywhere else.
1st Point: Many people think that getting an Airtel Axis Bank credit card is very difficult, but that’s not true. I got this card approved within just 30 seconds while talking to customer care on a call. You just need to be eligible for this card through the Airtel Thanks app. If you see the option to apply for this card there and you already have an Axis Bank card, you can directly call customer care and apply. If eligible, your card will be approved on the call itself. This was the case at least for the first few months after launch. You can try your luck too. When applying directly through the Airtel app, the application is often either rejected or incomplete. So, it’s always a good idea to confirm with customer care before applying. Now, you can also apply directly through the website and Axis Bank app. I was among the few selected customers who were offered this card first.
2nd Point: This point is for those who say that you can't save much with this card. Over more than 2 years, I saved around ₹10,000 each year on average. This was through just two types of transactions: Airtel services payments and Swiggy orders.
3rd and Most Important Point: Bugs and Devaluation: This card is excellent, especially if you use Airtel services or frequently order food online. In such cases, no other card offers such good cashback. However, due to some bugs and recent devaluations, this card is not as great as it used to be. Still, it’s a good option for many people. The main problem is with cashback - no matter how hard you try, you don’t get the proper cashback every month. Sometimes you get 10% instead of 25%, or 1% instead of 10%. Sometimes the cashback is short by ₹20-100. Axis Bank has not been able to fix these bugs yet. The only way to get the proper cashback is to call customer care and complain. In my entire journey, I didn’t get proper cashback for 6 months. Recently, for the month of April, I only received half of the cashback. If you have or want to get this card, you should be aware of these issues.
Now, why did I close this card? The first reason is that I already have three Axis Bank cards: Airtel Axis Bank Credit Card, Flipkart Axis Bank Credit Card , and Samsung Infinite Credit Card, with a total credit limit of ₹1.32 lakh. I couldn’t properly utilize all the cards. I even tried to increase the limit, but Axis Bank didn’t approve it. Now, I want to get a core credit card from Axis Bank. Until now, I only had co-branded cards from Axis Bank. Lastly, I now have an SBI Cashback Credit Card and an HDFC Swiggy Credit Card, both of which are lifetime free, and 26 other credit cards. So, I don’t need this one anymore.This was my experience. Did you already know all these things? Please share your feedback to help new users. Thanks for reading.
1st Point: Many people think that getting an Airtel Axis Bank credit card is very difficult, but that’s not true. I got this card approved within just 30 seconds while talking to customer care on a call. You just need to be eligible for this card through the Airtel Thanks app. If you see the option to apply for this card there and you already have an Axis Bank card, you can directly call customer care and apply. If eligible, your card will be approved on the call itself. This was the case at least for the first few months after launch. You can try your luck too. When applying directly through the Airtel app, the application is often either rejected or incomplete. So, it’s always a good idea to confirm with customer care before applying. Now, you can also apply directly through the website and Axis Bank app. I was among the few selected customers who were offered this card first.
2nd Point: This point is for those who say that you can't save much with this card. Over more than 2 years, I saved around ₹10,000 each year on average. This was through just two types of transactions: Airtel services payments and Swiggy orders.
3rd and Most Important Point: Bugs and Devaluation: This card is excellent, especially if you use Airtel services or frequently order food online. In such cases, no other card offers such good cashback. However, due to some bugs and recent devaluations, this card is not as great as it used to be. Still, it’s a good option for many people. The main problem is with cashback - no matter how hard you try, you don’t get the proper cashback every month. Sometimes you get 10% instead of 25%, or 1% instead of 10%. Sometimes the cashback is short by ₹20-100. Axis Bank has not been able to fix these bugs yet. The only way to get the proper cashback is to call customer care and complain. In my entire journey, I didn’t get proper cashback for 6 months. Recently, for the month of April, I only received half of the cashback. If you have or want to get this card, you should be aware of these issues.
Now, why did I close this card? The first reason is that I already have three Axis Bank cards: Airtel Axis Bank Credit Card, Flipkart Axis Bank Credit Card , and Samsung Infinite Credit Card, with a total credit limit of ₹1.32 lakh. I couldn’t properly utilize all the cards. I even tried to increase the limit, but Axis Bank didn’t approve it. Now, I want to get a core credit card from Axis Bank. Until now, I only had co-branded cards from Axis Bank. Lastly, I now have an SBI Cashback Credit Card and an HDFC Swiggy Credit Card, both of which are lifetime free, and 26 other credit cards. So, I don’t need this one anymore.This was my experience. Did you already know all these things? Please share your feedback to help new users. Thanks for reading.
