Is Axis Myzone to Axis Neo CC a upgrade? Does upgrading mark the card as closed? (It's my oldest card)

[Sha03]

I have Axis MyZone CC, given as LTF years back, which is my first CC. I requested for changing it's variant from Visa to Rupay to PNO. They replied saying you can do that only when a card is expired.

Now in my mobile app, I'm getting Neo CC Rupay as a upgrade to MyZone Visa. I want a Rupay Axis (I make <1k UPI spends a month and want it to autopay from Axis. Also hold Airtel CC and Swiggy CC - So not getting for Food/Utility), should I take this?

1. Is getting Neo from MyZone a downgrade? Is Neo applicable for Axis instant discount offers in Amazon/FK?
2. Does this mark in CIBIL as closed or? (Worried as MyZone is my oldest CC)

TIA

 

[bing1309]

I did not understand the offer or schemes. I could say is any upgrade or downgrade will not change or show account closed etc, on same account its changed to another card. Hence no opening or closing of loan account applicable in axis for upgrade or downgrade in credit card. What ever you have same remains open and no changes.

For any upgrade etc you can call credit card customer care and ask they will assist you on this.

 

[Sha03]

I could say is any upgrade or downgrade will not change or show account closed etc, on same account its changed to another card

Thanks. So, my oldest CC history wouldn't vanish even if my oldest CC gets replaced by a new one? (Basically it's about unique account number and not CC number?). Hope I'be got this point correctly

Also, the TnC had a weird point saying when we upgrade to Rupay CC, both cards would remain active. Another point said unless the cards have different point aggregator like eDGE or Miles, older card would be closed after 45 days. Hence was confusing.

 

[bing1309]

Thanks. So, my oldest CC history wouldn't vanish even if my oldest CC gets replaced by a new one? (Basically it's about unique account number and not CC number?). Hope I'be got this point correctly

Also, the TnC had a weird point saying when we upgrade to Rupay CC, both cards would remain active. Another point said unless the cards have different point aggregator like eDGE or Miles, older card would be closed after 45 days. Hence was confusing.

Again upgrade downgrade cannot change unsecured loan given to you. In axis bank unless you put fresh application or close the credit card and apply freshly. Any upgrade via app or call center no changes for that account that is clear. Regards edge points and miles no changes happens if you close miles card yes miles will close, if edge reward all cards are closed then edge rewards are closed. Before closing card use it. But if you upgrade your edge rewards will be same provided you have one more edge rewards cards with you

 

[Deleted member 23969]

@Sha03 any update here; will they close myzone if i upgrade.
I have similar offer