Need suggestion for AXIS Secured ------>Unsecured

[mailmenow]

Need suggestion for my friend.
He has only myzone fd based credit card. It's almost 4+months since he took the credit card.
He already has axis savings account from March 2025 . He is not getting any pre-approved unsecured credit card offer because of this secured card.

1)Should he close the fd backed card to get unsecured cadd???
2) Should he need to open a PAY LATER to maintain his credit history if he close this fd card?? (not interested to take any other bank fd card anymore)
3) if he close his fd card within how many months the pre-approved offer starts to appear??

He has only this secured card in his portfolio no any other loan or cards. Not interested to take any other bank fd card also. He really need a unsecured card now. But it's getting rejected by axis while applying. Please give your suggestions.

 

[sovon]

Ok. Taking super money fd card and closing axis myzone fd card?

Yes.
It will help him to maintain his credit profile

 

[mailmenow]

Yes.
It will help him to maintain his credit profile

What is the offer for super money fd card when compared with pro

 

[mailmenow]

Yes.
It will help him to maintain his credit profile

Ok. How many months after getting the Super Money FD card can he close the MyZone FD card?
I mean after the cibil reported the super money card to cibil or 3-4month after getting super money
This is also an important one if I am not wrong??

 

[sovon]

Ok. How many months after getting the Super Money FD card can he close the MyZone FD card?
I mean after the cibil reported the super money card to cibil or 3-4month after getting super money
This is also an important one if I am not wrong??

After the super money added to his cibil.

 

[Anindya98]

He is only eligible for fd card in super money

Just having an FD-backed card won’t immediately unlock unsecured card offers. For example, I got my FD-based OneCard in April 2022 and used it regularly until February 2023, when I received my first unsecured card with a ₹1.5 L limit. Consistency and patience are key. It usually takes about three months for a FD card to start reflecting in your CIBIL report, and that’s when your friends' credit history begins. Keep using MyZone FD card actively, and they’ll surely offer you an unsecured card in time.

 

[mailmenow]

Just having an FD-backed card won’t immediately unlock unsecured card offers. For example, I got my FD-based OneCard in April 2022 and used it regularly until February 2023, when I received my first unsecured card with a ₹1.5 L limit. Consistency and patience are key. It usually takes about three months for a FD card to start reflecting in your CIBIL report, and that’s when your friends' credit history begins. Keep using MyZone FD card actively, and they’ll surely offer you an unsecured card in time.

Thank you so much for the information

 

[mailmenow]

Just having an FD-backed card won’t immediately unlock unsecured card offers. For example, I got my FD-based OneCard in April 2022 and used it regularly until February 2023, when I received my first unsecured card with a ₹1.5 L limit. Consistency and patience are key. It usually takes about three months for a FD card to start reflecting in your CIBIL report, and that’s when your friends' credit history begins. Keep using MyZone FD card actively, and they’ll surely offer you an unsecured card in time.

So no need to take super money fd card and close myzone?

 

[Anindya98]

So no need to take super money fd card and close myzone?

I’d suggest not closing your MyZone card. Just use it every month and make timely payments, no matter the amount. Start applying for new cards between the fourth week of February 2026 and the end of March.

 

[mailmenow]

I’d suggest not closing your MyZone card. Just use it every month and make timely payments, no matter the amount. Start applying for new cards between the fourth week of February 2026 and the end of March.

Ok I will tell him accordingly. He didn't know anything about the credit card