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Not able to get an axis bank credit card.

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SomeRandomName

SomeRandomName

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Hi,

I have been trying to get a card from AXIS bank for past 2 years but i am not able to get as basic card as MYZONE card from axis bank.
I have DCB, IDFC Wealth, Induslnd Legend, HDFC Infinity etc card but I am not sure why they are declining the card again and again.
My Score >750
Income is sufficient to get myzone atleast (might be applicable for magnus too)

I have escalated the case multiple times to PNO and even to RBI Ombudsman but they cannot provide me a reason for the declination of the application.

The reason seems to one of this. Added some data from email replies :-

1. "The application was declined due to prior declined it was a score-based auto decline and did not come for manual review. Thus, as per system check this case has been rejected as the previous decline data found in our record so, we are unable to process this application further."
2. "However, as per our records the same has been rejected by underwriting team stating the below reason: The underwriting team has mentioned that Name: <redacted> and PAN Number: <redacted>"
3. As per our records, We regret to inform you that we are unable to issue you a card as the information does not match with the details provided.

Further, due to some 3rd party. I have a customer id with axis bank. (FD account) sadly only 5K.

How can I get a any credit card which is LTF from axis bank. (Will choose a better card later)
I have always applied for a credit card online only.
 
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I'm relieved to know I'm not the only one facing repeated rejections. 🤣 By the way, how many times have you been rejected? 🤣

Let me share the experiences I've gathered after numerous rejections. If you've already faced rejection 3-4 times, it becomes quite challenging to get a card from them, especially a basic one like MyZone. 🤣 However, there's a higher probability of approval if you apply for a premium card like Magnus through C2C basis. They are inclined towards customers who spend on their premium cards and meet monthly spending milestones. 🤣 But I wouldn't recommend that approach. Instead, visit your nearest branch and request them to process your application through C2C, assuming you haven't done so already. If you have, refrain from applying immediately. Instead, consider opening an account with them, maintain funds, and use it as your primary account to establish a relationship. After some time, you can try applying again through the C2C process. Don't be like me and rush for Magnus out of frustration, thinking it would make it easier to get a basic card like Airtel. But the reality is, nothing changed. I'm still getting rejected for these basic entry-level cards. 🤣
 
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Akashn said:
Maybe try applying through agent (c2c)
Click to expand...
How to do that?

4uziaul said:
I'm relieved to know I'm not the only one facing repeated rejections. 🤣 By the way, how many times have you been rejected? 🤣

Let me share the experiences I've gathered after numerous rejections. If you've already faced rejection 3-4 times, it becomes quite challenging to get a card from them, especially a basic one like MyZone. 🤣 However, there's a higher probability of approval if you apply for a premium card like Magnus through C2C basis. They are inclined towards customers who spend on their premium cards and meet monthly spending milestones. 🤣 But I wouldn't recommend that approach. Instead, visit your nearest branch and request them to process your application through C2C, assuming you haven't done so already. If you have, refrain from applying immediately. Instead, consider opening an account with them, maintain funds, and use it as your primary account to establish a relationship. After some time, you can try applying again through the C2C process. Don't be like me and rush for Magnus out of frustration, thinking it would make it easier to get a basic card like Airtel. But the reality is, nothing changed. I'm still getting rejected for these basic entry-level cards. 🤣
Click to expand...
This is un-ethical. they want us to open a bank account for getting a card.
 
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SomeRandomName said:
This is un-ethical. they want us to open a bank account for getting a card.
Click to expand...
There's nothing unethical about it. 🤣 It's simply an attempt to build a relationship with them. It seems like you haven't applied through the C2C basis before. So you can give it a try without opening any account. If it fails this time, then you can consider opening an account with them. Alternatively, if your application gets approved this time, you can skip the account opening process.
 
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4uziaul said:
There's nothing unethical about it. 🤣 It's simply an attempt to build a relationship with them. It seems like you haven't applied through the C2C basis before. So you can give it a try without opening any account. If it fails this time, then you can consider opening an account with them. Alternatively, if your application gets approved this time, you can skip the account opening process.
Click to expand...
I went to branch today, The credit card person wanted me to get a chargable card. When I asked for any free card, she could not provide any. Further, she did not mention any thing about C2C.
Even I have seen multiple posts in this forum they are not providing C2C basis

SomeRandomName said:
This is un-ethical. they want us to open a bank account for getting a card.
Click to expand...
@4uziaul.
I am saying bank is forcing us to open a bank account with them. This is un-ethical.
 
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SomeRandomName said:
I went to branch today, The credit card person wanted me to get a chargable card. When I asked for any free card, she could not provide any. Further, she did not mention any thing about C2C.
Even I have seen multiple posts in this forum they are not providing C2C basis
Click to expand...
They do accept C2C applications, but there is one important distinction to note. If you're looking for a LTF card, they won't provide one; it will come with charges. However, if you're determined to get a card, this is the approach you should take.
 
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SomeRandomName said:
I went to branch today, The credit card person wanted me to get a chargable card. When I asked for any free card, she could not provide any. Further, she did not mention any thing about C2C.
Even I have seen multiple posts in this forum they are not providing C2C basis
Click to expand...
You can't get free Axis card via offline mode. You have to apply online from their portal during offer.
Even all of my LTF applications got rejected. Got them paid but paying for those useful cards are worth it.
 
Upvote 0 Downvote
SomeRandomName said:
Hi,

I have been trying to get a card from AXIS bank for past 2 years but i am not able to get as basic card as MYZONE card from axis bank.
I have DCB, IDFC Wealth, Induslnd Legend, HDFC Infinity etc card but I am not sure why they are declining the card again and again.
My Score >750
Income is sufficient to get myzone atleast (might be applicable for magnus too)

I have escalated the case multiple times to PNO and even to RBI Ombudsman but they cannot provide me a reason for the declination of the application.

The reason seems to one of this. Added some data from email replies :-

1. "The application was declined due to prior declined it was a score-based auto decline and did not come for manual review. Thus, as per system check this case has been rejected as the previous decline data found in our record so, we are unable to process this application further."
2. "However, as per our records the same has been rejected by underwriting team stating the below reason: The underwriting team has mentioned that Name: <redacted> and PAN Number: <redacted>"
3. As per our records, We regret to inform you that we are unable to issue you a card as the information does not match with the details provided.

Further, due to some 3rd party. I have a customer id with axis bank. (FD account) sadly only 5K.

How can I get a any credit card which is LTF from axis bank. (Will choose a better card later)
I have always applied for a credit card online only.
Click to expand...
Since Oct'22 till March'23 I had applied 3 times. Rejected everytime,All I needed was an axis card.
In Feb'23 I opened an account and everyday I'm using my debit card for every transaction on/offline and upi as well.
At the end of Jun'23 I got 12 pre approved card offers.
 
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SomeRandomName said:
@4uziaul.
I am saying bank is forcing us to open a bank account with them. This is un-ethical.
Click to expand...
Opening a Bank Account will open a way for Pre Approved offers.

But in my case I got only Baba Ji ka thullu 🔔 by opening an Account with Axis.

They are interested in giving me Pre Approved Gold Loan, Business Loan, falana dinkana loan but never gave me an Pre Approved Card offer.

In the end , I applied offline and after few CIBIL hits my card is in my hard.

So if you do not care about CIBIL hits, and wants a opening in Axis Credit Card, then Apply for different different card.

Just like for graduation our % or subjects did not fit for a particular course we change the course as per the % and subjects , you also have to try to apply for different different Axis Cards.

I first Applied for Axis Neo- Rejected
Then Ace Rejected.
Then agent told sir ek chance aur lete hai MYZone ka, toh mne chance liya and Axis deemed me fit for Myzone but not for Ace and Neo
 
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SomeRandomName said:
@4uziaul.
I am saying bank is forcing us to open a bank account with them. This is un-ethical.
Click to expand...
Once again, it seems my point isn't clear. No one is forcing you to take any action; it's simply about building relationships. Holding an account with them could potentially give you preference when you apply for a credit card in the future. However, as I mentioned before, there's no need to open an account right away. First, try applying on a C2C basis, and if that doesn't work, then consider opening an account with them.
 
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SomeRandomName said:
Elaborate more bro.

If I can somehow get that charges reimbursed through some unique axis bank offers, then also it makes sense.
Click to expand...
www.technofino.in

Axis Bank Liberty Savings Account Benefits

Axis Liberty Savings Account is the Best Savings for those who can Spend 10,000 INR Per month On Food, Entertainment, Shopping and Travel via Axis Liberty Debit Card and Spend 15,000 INR Per Month at any Merchant ** via UPI or Axis Liberty Debit Card. If we Fulfill Above Spending Criteria We...
www.technofino.in www.technofino.in

Read this thread from 1st to 41st page.

Even after reading this whole thread, you have doubts then keep them with you only
 
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VISHESH_BANSAL said:
www.technofino.in

Axis Bank Liberty Savings Account Benefits

Axis Liberty Savings Account is the Best Savings for those who can Spend 10,000 INR Per month On Food, Entertainment, Shopping and Travel via Axis Liberty Debit Card and Spend 15,000 INR Per Month at any Merchant ** via UPI or Axis Liberty Debit Card. If we Fulfill Above Spending Criteria We...
www.technofino.in www.technofino.in

Read this thread from 1st to 41st page.

Even after reading this whole thread, you have doubts then keep them with you only
Click to expand...
bhai bhai bhai
 
Upvote 0 Downvote
My first credit card was Flipkart Axis and I was able to get it without a savings account or a prior relationship with them. Now I have a MyZone as well from them. I'd suggest trying for cards other than MyZone and then try to get MyZone as well
 
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