Which of my four current Axis CCs should I replace to get LTF Axis Select?

[spatone]

Hi all,

I currently have four Axis CCs:-

• Magnus (Paid)
• Ace (Paid)
• Indian Oil (LTF)
• Flipkart (LTF)

Axis' tie-up with my employer would give me an LTF Select card based on my salary. I do not plan to renew Magnus and get a paid Atlas in its place from Nov 2023.

I use Indian Oil card for refueling regularly and do not have any other card that gives a better return. Have not used Flipkart card for a long time but am afraid with ta slew of devaluations, the 5% unlimited cashback can come in handy sooner than later. While I have HDFC Tata Neu Infinity for 5% return on utilities bills, the 2% cashback on Ace for other transactions is too sweet to give up.

Thus given the four card limit of Axis, could you please help me take a decision on the cards to keep? Want to take Select for BMS BOGO offer after I give up Magnus. Thanks.

 

[gurpreet.9211]

Get rid of this...unless you do BIG tranascations in FK, frequently...

I have FK too which I use for offline spends. It is LTF, Would you recommend to replicate it with another variant that gives good value for offline spends.

 

[SSV]

I have FK too which I use for offline spends. It is LTF, Would you recommend to replicate it with another variant that gives good value for offline spends.

Because it is LTF, you can keep.. but if you get other better card for offline... you can dump FK.
FK card is not that useful these days..

 

[parasf]

How to get 4 cards of axis??
When I tried to apply 4th card,
Axis denied for 4th card.

 

[gurpreet.9211]

Because it is LTF, you can keep.. but if you get other better card for offline... you can dump FK.
FK card is not that useful these days..

Which one do you recommend for generic usage to get good cash Back %

 

[SSV]

Which one do you recommend for generic usage to get good cash Back %

Axis Ace for offline spends.. only dump fk after you got a better card, until then keep fk card as it is LTF anyway

 

[gurpreet.9211]

Axis Ace for offline spends.. only dump fk after you got a better card, until then keep fk card as it is LTF anyway

I just have 2 axis cards, I can get third one without any problem.

 

[SSV]

I just have 2 axis cards, I can get third one without any problem.

yes, 4th card may be an issue

 

[gurpreet.9211]

yes, 4th card may be an issue

This looks to be going in loop, Can someone suggest if Ace is better than FK for generic spends to get cash back.

 

[SSV]

This looks to be going in loop, Can someone suggest if Ace is better than FK for generic spends to get cash back.

You already have FK , so you know how it works..
This is ACE... you decide yourself depending upon your usage...

https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-ace-credit-card-tncs.pdf

Apply for Axis Bank's ACE Credit Card Online

Apply for Axis Bank's ACE Credit Card and get various benefits including accelerated cashback on spends, fuel surcharge waiver, airport lounge access, ETC. Apply now!

www.axisbank.com

 

[spatone]

Can you convert the 20/100 edge points obtained from IOCL card at 5:2 ratio?

Was able to convert IOCL Edge Rewards it at 5:4 ratio till Aug. Haven't tried after that.

 

[spatone]

How to check this? By contacting RM or some company POC

I got an email from my company's Finance team. Have noticed, they tend to send offers from HSBC, Axis, AmEx, etc

 

[spatone]

Get rid of this...unless you do BIG tranascations in FK, frequently...

Afraid that there may come a day when FK vouchers route may no longer be lucrative and I may have to fallback on the LTF FK Card for big purchases.

How to get 4 cards of axis??
When I tried to apply 4th card,
Axis denied for 4th card.

It was showing for me on the app and I applied. No special conversation of approval was required.

 

[spatone]

Was able to convert IOCL Edge Rewards it at 5:4 ratio till Aug. Haven't tried after that.

Your question got me curious, and I tried. But for some reason I can only convert some of the points (759), and not all (1,059). Will update the response, if all of them are convertible later, as Axis system these days is pretty fluid.