Applied for Axis Bank CC last week. Application process went smoothly, got my card delivered today.
On the welcome kit, it said to activate my card I need to login to internet banking. I went to their internet banking website and went to the first time customer registration. It asked my mobile number, last 4 digits of my credit card number, then sent OTP. At some point it displayed some information on the screen (as they are mostly useless) which I didn't pay much attention to and clicked on next. When the registration was done, I tried logging in. But it asked for my customer id.
At this point I remembered that the information displayed on screen was my customer id. I didn't think much of it because customer id would be mentioned on the welcome letter anyway. Nope, it wasn't. I thought, fine, it will be there in my email. Again, it wasn't. I thought there will be an option to retrieve customer id on the login page. There wasn't.
I was starting to get frustrated. So I read the letter and it said send sms CUSTID XXXX (last 4 digit of card number) to some number. I tried, it didn't get delivered. I tried calling their phone banking number, it gets disconnected immediately. I started a chat session on their website. After about 20 minutes of entirely unhelpful responses, they finally told me that I need main balance to send the SMS since it is chargeable.
I recharged for Rs. 10, sent the SMS, it cost Rs. 3 for one SMS! I never received any response for that SMS. I contacted customer support again over chat. They said call the number. I tried, now with main balance. Call still doesn't go through. They said you'll need to visit bank branch.
This is the state of one of the top private banks in India.
tl; dr
Got credit card delivered, but they have not mentioned customer id anywhere. Their SMS and phone numbers don't work (even though I got charged for them), and their chat support is entirely unhelpful. customer id is needed to login and activate my card. So my card is completely useless without it.
On the welcome kit, it said to activate my card I need to login to internet banking. I went to their internet banking website and went to the first time customer registration. It asked my mobile number, last 4 digits of my credit card number, then sent OTP. At some point it displayed some information on the screen (as they are mostly useless) which I didn't pay much attention to and clicked on next. When the registration was done, I tried logging in. But it asked for my customer id.
At this point I remembered that the information displayed on screen was my customer id. I didn't think much of it because customer id would be mentioned on the welcome letter anyway. Nope, it wasn't. I thought, fine, it will be there in my email. Again, it wasn't. I thought there will be an option to retrieve customer id on the login page. There wasn't.
I was starting to get frustrated. So I read the letter and it said send sms CUSTID XXXX (last 4 digit of card number) to some number. I tried, it didn't get delivered. I tried calling their phone banking number, it gets disconnected immediately. I started a chat session on their website. After about 20 minutes of entirely unhelpful responses, they finally told me that I need main balance to send the SMS since it is chargeable.
I recharged for Rs. 10, sent the SMS, it cost Rs. 3 for one SMS! I never received any response for that SMS. I contacted customer support again over chat. They said call the number. I tried, now with main balance. Call still doesn't go through. They said you'll need to visit bank branch.
This is the state of one of the top private banks in India.
tl; dr
Got credit card delivered, but they have not mentioned customer id anywhere. Their SMS and phone numbers don't work (even though I got charged for them), and their chat support is entirely unhelpful. customer id is needed to login and activate my card. So my card is completely useless without it.