Is Axis Ace Worth It now?

[Shivx]

Hi, I had applied for an Axis Ace card few months back through Google Pay app and dunno why but I never heard back from them until now like after 3 months and the card has been approved. Is the card worth it now after all the devaluation. Specially since it's a paid card? Or should I just not activate it and let it cancel? Thanks

 

[Kumar93196]

Does the city matter? Do banks offer higher limits in tier 1 cities?

Nope it's upto user's usage and financial profile.
Like when you get the card your salary might be 25k but after 1 year you get promotions and your salary gets increased to 50k so in this case your overall financial health became good. And getting a manual LE is easier. And in such cases banks also gives you automatic le.

 

[kshitij_0]

Elaborate this pls

Like branch is a tier 3 city will have less assets so less liability taking capacity. Branch in tier 1 city will have more assets so they can bear more liabilities.

 

[Pradumya]

Like branch is a tier 3 city will have less assets so less liability taking capacity. Branch in tier 1 city will have more assets so they can bear more liabilities.

Brother but credit card is not issued by local branches. Yes we can submit application via local branch but it is processed by credit card division of the bank.
It is not like any home loans or any other mortgage backed security.

 

[SSV]

Like branch is a tier 3 city will have less assets so less liability taking capacity. Branch in tier 1 city will have more assets so they can bear more liabilities.

CC is a centralised liability at the Bank level, not at branch level..

Think about CC only holders , where doyou want to assign them?

 

[kshitij_0]

Brother but credit card is not issued by local branches. Yes we can submit application via local branch but it is processed by credit card division of the bank.
It is not like any home loans or any other mortgage backed security.

CC is a centralised liability at the Bank level, not at branch level..

Think about CC only holders , where doyou want to assign them?

Yes then may be it's true. That's why I said it's my assumption. Even I had some doubt.

 

[CyberPsych]

Tata Neu Infinity gives cashback in form of Neu coins

I got Tata Neu Infinity LTF but I still keeping Axis Ace for 1.5% statement cashback and 1% cashback during HDFC bill pay. With Tata Neu Infinity, I am limited to use coins in thier app (and I find most of the product prices are ₹10-₹15 higher in Tata brands compared to Amazon/Flipkart) and no solid 1% cashback for HDFC cards bill payments.

 

[Trust Me]

With Tata Neu Infinity, I am limited to use coins in thier app (and I find most of the product prices are ₹10-₹15 higher in Tata brands compared to Amazon/Flipkart)

And in addition, in my experience, they have often been poorer in quality inspite of charging a premium!
.

 

[bigbyte]

Minimum limit of ace cc is 30k. So you can except more than this🤟

She got 2 lac limit. No income proof was asked.
Now the only problem is that she uses iPhone with esim, so I can't make use of 5% bill pay offer on GPay. Will try to get Airtel Axis card.
After how many days can I apply from Axis One app, if the card appears in pre-approved list.

 

[SSV]

She got 2 lac limit. No income proof was asked.
Now the only problem is that she uses iPhone with esim, so I can't make use of 5% bill pay offer on GPay. Will try to get Airtel Axis card.
After how many days can I apply from Axis One app, if the card appears in pre-approved list.

If it shows in the pre-approved list, youbcan straight away apply..

The ideal question would have been "how long it would take get pre-approved offers?"

 

[bigbyte]

The ideal question would have been "how long it would take get pre-approved offers?"

And answer to this would be... Only Axis knows.

 

[Kumar93196]

And answer to this would be... Only Axis knows.

Nope 90 days is the cooling period I got my first axis cc in dec FK CC
As of 2nd I got it in March as per approved ace

 

[bhauka11]

The distinguished attractive feature of ACE is its CB in the form of statement Credit..
otherwise it is just an average card considering the competition in the respective spend categories

Does Axis Ace gives 5% CB on fastag recharge as well via Gpay?

 

[Abhishek012]

Does Axis Ace gives 5% CB on fastag recharge as well via Gpay?

AFAIK, Fastag rc is not eligible for 5% cashback on Axis ACE Credit Card.