Need to choose between 14 Axis Credit cards

[ank_sh1]

Hello all,
I hold an Axis Kwik (Kiwi App) credit card with a limit of 3L. I have been using this card for the last 7-8 months. Today I got a call from Axis Bank which said there are a few preapproved add-on cards offered and the limit will be shared. I was thinking of applying for a physical axis card and today got this offer. Now I am confused between 14 cards that is being shown as an option. I don't want premium cards like Magnus, but a decent one which has good benefits on online spending(movies, grocery and amazon/flipkart), travel and fuel (I know a lot to ask in a card).
Can someone please help me select a good card? Select seems to be a decent one but is quite expensive ~3k. I use BB and a few other apps frequently so will be able to cover the fees easily. But still, it has a fee.

I have attached offered credit SS for reference.

 

[SSV]

Hello all,
I hold an Axis Kwik (Kiwi App) credit card with a limit of 3L. I have been using this card for the last 7-8 months. Today I got a call from Axis Bank which said there are a few preapproved add-on cards offered and the limit will be shared. I was thinking of applying for a physical axis card and today got this offer. Now I am confused between 14 cards that is being shown as an option. I don't want premium cards like Magnus, but a decent one which has good benefits on online spending(movies, grocery and amazon/flipkart), travel and fuel (I know a lot to ask in a card).
Can someone please help me select a good card? Select seems to be a decent one but is quite expensive ~3k. I use BB and a few other apps frequently so will be able to cover the fees easily. But still, it has a fee.

I have attached offered credit SS for reference.

Because its for mostly online spends .. and as you are not into premium cards( as not interested in travel and hotels) .( ACE is ruled out becuase not much offline spends)

My recommendation:

Privilege Card

The use case , an example:

Say for BB spends: Buy BB voucher duing voucher week on grabdeals you get:

2% instant off + 5% CB / 5X rewards +1% regular rewards: = 8% off

All your rewards can be redeemed for 0.40 instead of usual 0.20 for Multi brand voucher i.e. basically you double the reward rate..

And for BB orders via Tata Neu App you get 5% Coins back ...


Fees only 1.5K , + GST , Welcome benefit worth : 5K Multi brand voucher.. which covers almost 3 years card fee..

2.5L fee waiver...

All the best

 

[D7162]

Isn’t airtel best for airtel bills? Actually I don’t use any airtel services, all are jio. So it it worth it? Also its not on list of the approved cards

Port jio to airtel then 😄😄

 

[saucy]

Atlas, is it worth 5k a year? I don’t spend much on travel so not sure

Shifting salary account to axis (with salary around 1-1.5L) should get you ltf Atlas.

Wait for a while after getting some axis cards and they offer select/privilege card ltf as it is

Ace, as mentioned - try through Google

Airtel card - it's an elusive one. I'd say if you're hellbent on spending money for credit cards, get this one.

 

[drsel]

Tbh not much into travelling, so hotel voucher I don’t require.

If you are not into air tickets and hotels then take Airtel for
10% cashback on utilities up to 300 on 3000.
10% up to 500 on 5000 on Zomato /Swiggy.
25% up to 300 on 1200 on Airtel bills
per statement cycle.

Then take Ace and link it to your Google pay for 5% cashback on utilities.
2% for offline on most categories

Finally take Privilege for 50% discount on Apollo Healthcare or Myntra vouchers (for gold coins)

 

[D7162]

Airtel le lo muje discount me recharge kar dena every month

 

[Vasuki]

Hello all,
I hold an Axis Kwik (Kiwi App) credit card with a limit of 3L. I have been using this card for the last 7-8 months. Today I got a call from Axis Bank which said there are a few preapproved add-on cards offered and the limit will be shared. I was thinking of applying for a physical axis card and today got this offer. Now I am confused between 14 cards that is being shown as an option. I don't want premium cards like Magnus, but a decent one which has good benefits on online spending(movies, grocery and amazon/flipkart), travel and fuel (I know a lot to ask in a card).
Can someone please help me select a good card? Select seems to be a decent one but is quite expensive ~3k. I use BB and a few other apps frequently so will be able to cover the fees easily. But still, it has a fee.

I have attached offered credit SS for reference.

If you looking for value .
Here is deal .
Take samsung infinite - 30k ER points
Then call customer care for atlas they will give u over otp . Since ur limit is good .

Then after takeing samsungs infite & ER points is credited..

If u wanna convert into miles do it .else if u want myntra voucher or multi-brand voucher

Close samsung infinite.take previlgae
12k EDGE reward.

Total 42k EDGE REWARD point . U can redeem for anything
Multi-brand voucher via previlgae will give u
17 k voucher 😁

 

[ank_sh1]

If you are not into air tickets and hotels then take Airtel for
10% cashback on utilities up to 300 on 3000.
10% up to 500 on 5000 on Zomato /Swiggy.
25% up to 300 on 1200 on Airtel bills
per statement cycle.

Then take Ace and link it to your Google pay for 5% cashback on utilities.
2% for offline on most categories

Finally take Privilege for 50% discount on Apollo Healthcare vouchers

I just saw Axis Ace TnC, they say google pay via Android. Won't it work in iPhone? ref: https://www.axisbank.com/docs/defau...nt-library/axis-bank-ace-credit-card-tncs.pdf

 

[ank_sh1]

If you looking for value .
Here is deal .
Take samsung infinite - 30k ER points
Then call customer care for atlas they will give u over otp . Since ur limit is good .

Then after takeing samsungs infite & ER points is credited..

If u wanna convert into miles do it .else if u want myntra voucher or multi-brand voucher

Close samsung infinite.take previlgae
12k EDGE reward.

Total 42k EDGE REWARD point . U can redeem for anything
Multi-brand voucher via previlgae will give u
17 k voucher 😁

@DocFixIt sounds like a plan but could not understand 4th line about atlas, what is it? and also eg, I take Samsung Infinite with 5k fees, will getting atlas incur another fees (5k), and same goes to closing samsung infinite and going to Privilege as it has another fee of 1500?

 

[SSV]

@DocFixIt sounds like a plan but could not understand 4th line about atlas, what is it? and also eg, I take Samsung Infinite with 5k fees, will getting atlas incur another fees (5k), and same goes to closing samsung infinite and going to Privilege as it has another fee of 1500?

Simply put
All will incur JF
And applying via online requires 3 month cool off period between two cards

 

[ank_sh1]

If you are not into air tickets and hotels then take Airtel for
10% cashback on utilities up to 300 on 3000.
10% up to 500 on 5000 on Zomato /Swiggy.
25% up to 300 on 1200 on Airtel bills
per statement cycle.

Then take Ace and link it to your Google pay for 5% cashback on utilities.
2% for offline on most categories

Finally take Privilege for 50% discount on Apollo Healthcare vouchers

Airtel, even I was thinking to take it but I think it has higher rejection rate not sure, and it is not listed on those 14 cards so it will be subject to approval. Few months back Airtel card was on offer section on Airtel app, I didn't take it at that time for some stupid reason.

 

[SSV]

Airtel, even I was thinking to take it but I think it has higher rejection rate not sure, and it is not listed on those 14 cards so it will be subject to approval

Airtel will never be in the pre approved list.
I applied in this same scenario and got my airtel approved

 

[Anil_Singh]

I just saw Axis Ace TnC, they say google pay via Android. Won't it work in iPhone? ref: https://www.axisbank.com/docs/defau...nt-library/axis-bank-ace-credit-card-tncs.pdf
View attachment 39929

Yes. If you have iphone then forget about Ace. I too had these pre-approved offers 3 months ago. Took Ace as I use samsung mobile. Now again I have 12 pre-approved cards. But all are chargeable.

 

[Vasuki]

Because its for mostly online spends .. and as you are not into premium cards( as not interested in travel and hotels) .( ACE is ruled out becuase not much offline spends)

My recommendation:

Privilege Card

The use case , an example:

Say for BB spends: Buy BB voucher duing voucher week on grabdeals you get:

2% instant off + 5% CB / 5X rewards +1% regular rewards: = 8% off

All your rewards can be redeemed for 0.40 instead of usual 0.20 for Multi brand voucher i.e. basically you double the reward rate..

And for BB orders via Tata Neu App you get 5% Coins back ...


Fees only 1.5K , + GST , Welcome benefit worth : 5K Multi brand voucher.. which covers almost 3 years card fee..

2.5L fee waiver...

All the best

@DocFixIt sounds like a plan but could not understand 4th line about atlas, what is it? and also eg, I take Samsung Infinite with 5k fees, will getting atlas incur another fees (5k), and same goes to closing samsung infinite and going to Privilege as it has another fee of 1500?

See

GET SAMSUNG infinite - 5900 fees ( 30k edge point) only for joining benefits.

Then if u want travel card .take atlas & redeem in airmiles or just keep 30k EDGE reward.
But if u don't want airmiles.

Take samsung infinite from the list just for the joining benefits.
Then Call customer care & say u want previlgae card (1.7k fees 12500 EDGE reward points)

Now with 7600 fees .
U will have 42500 reward points
12500*3 = 37500 (15k Myntra voucher / multi-brand voucher)
+ 5000 EDGE reward points left .
If u have 1250 extra u can redeem that for 2500 Myntra voucher .

= 15k +2.5k = 17.5k MYNTRA voucher for 7600 rupees .🫂

Note - multi-brand voucher is only for previlgae credit card customer.. u can redeem 2* value this way .
Coupan is usually in bottom of edge Reward redemption

 

[drsel]

GET SAMSUNG infinite - 5900 fees ( 30k edge point) only for joining benefits.

Then if u want travel card .take atlas & redeem in airmiles or just keep 30k EDGE reward.
But if u don't want airmiles.

Take samsung infinite from the list just for the joining benefits.
Then Call customer care & say u want previlgae card (1.7k fees 12500 EDGE reward points)

Now with 7600 fees .
U will have 42500 reward points
12500*3 = 37500 (15k Myntra voucher / multi-brand voucher)
+ 5000 EDGE reward points left .
If u have 1250 extra u can redeem that for 2500 Myntra voucher .

= 15k +2.5k = 17.5k MYNTRA voucher for 7600 rupees .🫂

Note - multi-brand voucher is only for previlgae credit card customer.. u can redeem 2* value this way .
Coupan is usually in bottom of edge Reward redemption

Can you buy gold coins on Myntra ?
If not, then medicines on Apollo pharmacy at 50% discount is another good option.
Because with multi brand vouchers, the point value doubles to 40 paisa from 20 paisa

 

[SSV]

Can you buy gold coins on Myntra ?
If not, then medicines on Apollo pharmacy at 50% discount is another good option.
Because with multi brand vouchers, the point value doubles to 40 paisa from 20 paisa

Note: Myntra Gold price is ~10 to ~15% higher than the market price!!
( but I recover these in my way) ..

 

[ank_sh1]

Can you buy gold coins on Myntra ?
If not, then medicines on Apollo pharmacy at 50% discount is another good option.
Because with multi brand vouchers, the point value doubles to 40 paisa from 20 paisa

This was going to be my question, can we buy gold with that? Second, can I use the 30k ER got from Samsung infinite card as rewards on 2x multi brand voucher as it is allowed only for Privilege?

 

[drsel]

This was going to be my question, can we buy gold with that? Second, can I use the 30k ER got from Samsung infinite card as rewards on 2x multi brand voucher as it is allowed only for Privilege?

Yes, I think gold coins are available
Yes, 30000 points valued @40 paisa because of Privilege card.

 

[ank_sh1]

Can you buy gold coins on Myntra ?
If not, then medicines on Apollo pharmacy at 50% discount is another good option.
Because with multi brand vouchers, the point value doubles to 40 paisa from 20 paisa

This is done then, going with Samsung Infinite getting 30k then going to Privilege getting 12.5k then buying Sona

And at the end will rest with a Select card (BB discount single-handedly will recover all my fees)

 

[Vasuki]

This was going to be my question, can we buy gold with that? Second, can I use the 30k ER got from Samsung infinite card as rewards on 2x multi brand voucher as it is allowed only for Privilege?

Yes u can use it as your liking there is no discrimination.
Unless u are redeeming against atlas or magnus..else its same

 

[Random123]

A bit off topic to the OP, but just make sure about the brand of gold coins bought on myntra, because I only tried once with mellora and it never got delivered and only was canceled after a month of holding the amount with no updates.