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.

 

[mailmenow]

Bro one more piece of information.i forgot to mention. His credit limit is only 12k. He started the fd of 15k only. So your 1st condition get failed here in his case.

I dont think so. Axis usually doesnt care about this secured/unsecured or core/cobranded thing. To get any entry level unsecured Axis CC u need to satisfy 2 main criteria: 1. Minimum existing Credit card limit of 50k and 2. Minimum age of that CC should be 6 months(6 Cibil entries should be there). For me also they had rejected Airtel Axis CC 2 years back citing this 6 month rule when my credit history was <6months old

 

[sovon]

Bro one more piece of information.i forgot to mention. His credit limit is only 12k. He started the fd of 15k only. So your 1st condition get failed here in his case.

Don't worry just use the account as usual and don't apply manually now.

Use debit card as much as possible but don't use it for atm withdrawal.

Axis BKL so there is no particular rule for them.

In Last 6 months I did transactions worth nearly 9L , still no offers. so don't take pressure.

Easy bro easy, I will suggest you to try with Lord HDFC

 

[mailmenow]

Don't worry just use the account as usual and don't apply manually now.

Use debit card as much as possible but don't use it for atm withdrawal.

Axis BKL so there is no particular rule for them.

In Last 6 months I did transactions worth nearly 9L , still no offers. so don't take pressure.

Easy bro easy, I will suggest you to try with Lord HDFC

Thank you .

 

[Dr.AMAN]

Bro one more piece of information.i forgot to mention. His credit limit is only 12k. He started the fd of 15k only. So your 1st condition get failed here in his case.

This might be a problem. Axis may bypass this requirement depending on the amount of balance and transactions in the savings account. That 50k requirement is striclty for NTB customers who dont have SA. Dont know how strictly they follow it for SA holders. Anyways u can tell ur friend to apply for any 1 ICICI card. They give high limits for beginners. That high limit can help build a solid Cibil h/o

 

[mailmenow]

Don't worry just use the account as usual and don't apply manually now.

Savings account or credit card?

Use debit card as much as possible but don't use it for atm withdrawal.

Debit card? Or the credit card?

 

[mailmenow]

This might be a problem. Axis may bypass this requirement depending on the amount of balance and transactions in the savings account. That 50k requirement is striclty for NTB customers who dont have SA. Dont know how strictly they follow it for SA holders. Anyways u can tell ur friend to apply for any 1 ICICI card. They give high limits for beginners. That high limit can help build a solid Cibil h/o

He is also trying to get Amazon pay icici. But apply now option is not visible for him. I will tell him to wait

 

[hender]

View attachment 113326View attachment 113327View attachment 113328

I have all these offers available from past few months


I'm hoping for a pre approved card offer soon.

Let's see

Ask them to combined all offers , and present 🎁 in one CC 11 lakhs Limit 😬

 

[sovon]

This might be a problem. Axis may bypass this requirement depending on the amount of balance and transactions in the savings account. That 50k requirement is striclty for NTB customers who dont have SA. Dont know how strictly they follow it for SA holders. Anyways u can tell ur friend to apply for any 1 ICICI card. They give high limits for beginners. That high limit can help build a solid Cibil h/o

My brother has only 2k amazon pay later, 2K super money FD card

3 Years of credit history and 750+ was his score while he applied for Axis Flipkart, approved without any income proof and it's his first unsecured card but the limit is only 37k.

So I'm not sure about the 50k requirement.

 

[sovon]

Savings account or credit card?

Debit card? Or the credit card?

Savings account + debit card.

For credit card maintain the utilisation

 

[sovon]

Ask them to combined all offers , and present 🎁 in one CC 11 lakhs Limit 😬

Bhai aap to experienced ho, Axis is BKL

So agar 1L bhi de dete hai enough mere liye

 

[Dr.AMAN]

My brother has only 2k amazon pay later, 2K super money FD.

3 Years of credit history and 750+ was his score while he applied for Axis Flipkart, approved without any income proof and it's his first unsecured card but the limit is only 37k.

So I'm not sure about the 50k requirement.

Did he have Axis SA at that time?

 

[sovon]

Did he have Axis SA at that time?

No, he is not holding any account with Axis , not even now

 

[sovon]

My brother has

Sbi
Bob the Builder

Now HDFC.

 

[Dr.AMAN]

No, he is not holding any account with Axis , not even now

Ok. But this 50k rule definitely exists. When I applied for the Airtel Axis as NTB customer I had 2 credit cards:-
-Indian bank rupay classic(my first CC): The cibil history was >6months but limit was only 20k
- Apay ICICI CC: The limit was >50k but cibil history was <6months.

So I got rejected twice by Axis and when I mailed to their nodal officer thats when I got a call from their regional CC dept and that agent explained these 2 rules. There may be a few exceptions based on other criteria

 

[sovon]

Ok. But this 50k rule definitely exists. When I applied for the Airtel Axis as NTB customer I had 2 credit cards:-
-Indian bank rupay classic(my first CC): The cibil history was >6months but limit was only 20k
- Apay ICICI CC: The limit was >50k but cibil history was <6months.

So I got rejected twice by Axis and when I mailed to their nodal officer thats when I got a call from their regional CC dept and that agent explained these 2 rules. There may be a few exceptions based on other criteria

But bro I was rejected with my 1L icici 85k sbi 85k yes Bank card with 4years of credit history.

So now I'm more convinced that axis is BKL

 

[Dr.AMAN]

But bro I was rejected with my 1L icici 85k sbi 85k yes Bank card with 4years of credit history.

So now I'm more convinced that axis is BKL

Your case is very unusual. If ur brother can get Axis cards even as NTB customer but u r getting repeatedly rejected even after having SA then I feel there is definitely some error in their system due to ur past bsbda account. Maybe the Axis system still sees u as bsbda account holder and hence no preapproved CC offers(just a guess). I think you should go talk to their CC dept physically or raise this issue till RBI to get the exact reason.

 

[sovon]

Your case is very unusual. If ur brother can get Axis cards even as NTB customer but u r getting repeatedly rejected even after having SA then I feel there is definitely some error in their system due to ur past bsbda account. Maybe the Axis system still sees u as bsbda account holder and hence no preapproved CC offers(just a guess). I think you should go talk to their CC dept physically or raise this issue till RBI to get the exact reason.

😭😭😭 They are okay with loans and even all kind of loans but not CC.

Batao kaise respect karu inn banks ka

 

[mailmenow]

Axis is totally unpredictable at all.

 

[Dr.AMAN]

😭😭😭 They are okay with loans and even all kind of loans but not CC.

Batao kaise respect karu inn banks ka

Loans r an asset to them due to processing fees and interest, while for CCs they have to spend money giving all those cashbacks. so they will push loan offers more than their CCs (even to bsbda customers) . Same with HDFC. They r ready to give me huge loans but not 5k limit increase even after 1 year of regular use. Ur Credit profile is very good. Very unusual to see Axis denying preapproved CCs to SA holders with such good credit profiles.(unless there is some error in ur customer id in their system)

 

[sovon]

Ur Credit profile is very good. Very unusual to see Axis denying preapproved CCs to SA holders with such good credit profiles.

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