Waiting for update on Axis Airtel CC application

[sidmal]

I had applied for an Axis Airtel credit card through the Airtel Thanks app on 6th Nov 23. Video KYC was done the same day. However, a few minutes later I got a message that due to a network issue, v-kyc was not completed successfully. Next day I got a call from an Axis Bank person informing me that they will send an executive for KYC and document verification at my residence. This was done on 8th Nov 23. Since then, there has been no update on the Axis Bank CC Portal. Stuck at "Your Credit Card application has been processed and is undergoing an eligibility check". Have used all channels - called, chatted and tweeted - to no avail. Yesterday (22nd Nov 23), a customer care executive raised a "service request" and told me to wait for "05 working days". Same thing was done by the Axis Bank twitter team - a second service request with a "service request is under process and you shall be updated with the response shortly".

I dont have any Axis Bank credit card and this was supposed to be my first one. CIBIL is 780+

Can anyone guide me on whats the best course of action to find out about the status of my application? Thanks.

 

[sidmal]

Correct, I got it as first year free card at nil joining fee because I opened a professional savings account (25k QAB requirement) with BOB.
Now it is a separate story that BOB customer support sucks but at the end, the card worked finally (after they charged joining fee on it, now I will get it waived).
Discalimer: If anybody looking to apply for this card, BOB is having a lot of technical glitches recently, also their mobile banking is suspended temporarily by RBI due to which i suspect these issues occured in my case

In my case at least - Axis glitches >> BOB glitches

Every time I have talked/chatted with someone at Axis support, they ask me "Have your documents been verified and KYC done". Have to tell them every time that yes, both were done at my residence. Yet, the application is "pending" due to some "technical glitch"

Since the possibility of getting the Axis card is low, might as well try to get the extra hard enquiry in my CIBIL removed.

 

[DaDarkkNight]

I'm waiting for my HDFC credit card upgrade to come through. Based on which card I get, I will go for the Amex Gold Charge card next.

Its not just about the amex monthly milestone which is the benefit here, amex gold has lot of other premium benefits as well. Like I availed flat 2500rs discount on truefit and hills salon with this card, also such high discounts available on other premium brands as well, which is great in my opinion. Now I get why this card has a 4k renewal fee, compared to mrcc. Definitely worth it in the first year, after that depends if amex provides mr points in lie of the fees

 

[Deepak_Shetty]

Could you explain in brief about Amazon pay 10% discount?

If I sum up, I can avail 10% discount on utility payment, swiggy,etc via amazon pay route also through other cards. So, onlt benefit remaining for this card is 25% cashback on airtel services, but wait there is 300 capping. So, net benefit I have through this card is just 300-100= 200 per month which is not significant to me. I realised this later tho after I had aplied for the card.
People generally understimate that amazon pay vouchers can also be obtained at 10% off , so utility payment, third-party websites can also generate 10% discount for us

 

[DaDarkkNight]

Since the possibility of getting the Axis card is low, might as well try to get the extra hard enquiry in my CIBIL removed.

Its better if you can inititate this complaint now itself and not wait for the card approval/decline. I also did the same and parallely I have a SR opened for removing thses hard enquiries. There is better changes of getting the hard enquiries before you get the card (pro tip)

 

[sidmal]

Its better if you can inititate this complaint now itself and not wait for the card approval/decline. I also did the same and parallely I have a SR opened for removing thses hard enquiries. There is better changes of getting the hard enquiries before you get the card (pro tip)

For this, would you suggest emailing the PNO? Or any other better option?

 

[DaDarkkNight]

With amex gold card

Could you explain in brief about Amazon pay 10% discount?

If you make 6 transactions of Rs 1000 each to purchase amazon pay balance voucher on their reward multiplier platform,
Then on each txn of 1k, you are getting 100 mr points.
So total 6*100 = 600 mr points
Now you will also receive 1000mr points extra for meeting the monthly milestones criteria ie. 6 txn of min 1k

So, net points earned = 1600 mr points on purchase of 6*1000= Rs 6000 amazon pay voucher
1MR point value is approx. 40p
So 1600 mr points = 600rs approx.

So on Rs 6000 spends, you are getting Rs 600 valueback every month.

 

[DaDarkkNight]

yeah i mailed to pno only. Just open the complaint and forget. This is the way to deal with axis. If they deny you at some point, just reply them again to reconsider and recheck. They will ultimately remove it for you but the process may take long

For this, would you suggest emailing the PNO? Or any other better option?

 

[sidmal]

yeah i mailed to pno only. Just open the complaint and forget. This is the way to deal with axis. If you deny you at some point, just reply them again to reconsider and recheck. They will ultimately remove it for you but the process may take long

Thanks. Will do this.

 

[DaDarkkNight]

A pro tip which is tried and tested by me. 3 months back my airtel appl got declined. That time they did 2 cibil enquiries, also a few more invalid ones which were present before too.
So shoot a mail to pno asking to remove one of them , but I got both the queries removed eventually.
They might deny you in the first reply, but that seems to be their standard way of dealing things initially.
Trick is to everytime reply them again that the enquiries needs to be removed.

Might take 2-3 iterations of communications, but at last it would be removed for sure, guaranteed

Thanks. Will do this.

 

[senasenthil]

With amex gold card

If you make 6 transactions of Rs 1000 each to purchase amazon pay balance voucher on their reward multiplier platform,
Then on each txn of 1k, you are getting 100 mr points.
So total 6*100 = 600 mr points
Now you will also receive 1000mr points extra for meeting the monthly milestones criteria ie. 6 txn of min 1k

So, net points earned = 1600 mr points on purchase of 6*1000= Rs 6000 amazon pay voucher
1MR point value is approx. 40p
So 1600 mr points = 600rs approx.

So on Rs 6000 spends, you are getting Rs 600 valueback every month.

Should n't the card fee be accounted in net reward calculation?

 

[DaDarkkNight]

Should n't the card fee be accounted in net reward calculation?

First year is free effectively, infact u earn additional bonus mr points as joining bonus through referral

 

[prashu]

I applied for Airtel axis last month it got rejected. Today again it showing option in Airtel app. If i apply now will it approve ? Recently only i have taken fk axis

 

[4uziaul]

I applied for Airtel axis last month it got rejected. Today again it showing option in Airtel app. If i apply now will it approve ? Recently only i have taken fk axis

Better to wait 60 days and then apply.

 

[DaDarkkNight]

I got my card delivered today. For 25% cashback on Airtel spends, will the cashback be credited into account after monthly statement generation?

Any way to check if my Airtel number recharge I did today ,qualified for the cashback or not....

Also, are other service providers broadband bills like jio or act etc qualify for 10% cashback?

 

[Mr. BeanMr. Bean is verified member.]

I got my card delivered today. For 25% cashback on Airtel spends, will the cashback be credited into account after monthly statement generation?

If your bill generates on Jan 5, you will only see how much cashback you earned. Actual cashback will be credited only 2 days before the consecutive bill generation date, appr on Feb 3.

Any way to check if my Airtel number recharge I did today ,qualified for the cashback or not....

No way.

Also, are other service providers broadband bills like jio or act etc qualify for 10% cashback?

Yes, if they are paid via Airtel app.

 

[sidmal]

So here's an update on my application - after multiple clueless answers and multiple "give us 5 working days to resolve this", THEY CANT FIND MY APPLICATION. Vanished. Gone with the wind 😀

 

[Rohith-2009]

So here's an update on my application - after multiple clueless answers and multiple "give us 5 working days to resolve this", THEY CANT FIND MY APPLICATION. Vanished. Gone in the wind 😀

If you file the complaint on rbi ombudsman, then your application will come out. This is what I did to icici

 

[MrWick]

Anyone here received Amazon Gift Voucher of INR 500 on airtel axis card approval ? Just want to know whether it will be sent only to registered mobile number or on email as well ? I applied the card via secondary number and now I need to change the number to my primary number with axis.

Due to some unavoidable circumstances, my secondary number will be inactive, If I change it, then on which number the voucher will be sent ?

 

[Rohith-2009]

Anyone here received Amazon Gift Voucher of INR 500 on airtel axis card approval ? Just want to know whether it will be sent only to registered mobile number or on email as well ? I applied the card via secondary number and now I need to change the number to my primary number with axis.

Due to some unavoidable circumstances, my secondary number will be inactive, If I change it, then on which number the voucher will be sent ?

I think they'll only send it to your secondary number. There is a thread regarding the voucher. Please check it

 

[HumorSimpson]

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View attachment 35983

thanks... learnt a new idiom