I have a long email chain with their PNO about this where they never denied it. They also issued CCs to my dad, who lives in the same pincode so it isn't based on that either. And I have since got CCs from HDFC, ICICI, Federal, SBI and Indusind and I used to keep 3-4 lakhs + fds in my Axis account in the hope that they would approve me. They never did. So I have to assume it is this, or they just hate me.
My guess is when you closed your cc their system messed up something which is now blocking approval by the system & will likely require a manual approval from someone in top mgmt which nobody will do unless you involve rbi or increase your relationship value to 1 crore+.
Good guess. It's very possible. I remember they did not take away the lien against my FD even after I closed the card and I needed to email them a few times to make them do it, months after that, I randomly got a statement for the closed card emailed to me. But it is showing up as closed in my CIBIL though. I just avoid anything Axis now. It is not worth it.
As a last resort you can try complaining to rbi ombudsman if you have some free time to track the complaint every few days & some half an hour to draft the complaint in a mini-essay like format attaching all the email conversations regarding this case with axis officials/customer care. Axis flipkart card can be replaced by sbi cashback cc easily though.
they're not even issuing me their Airtel Axis card. Plus, they don't have a physical application form at their branches like HDFC does.
Just fyi, axis bank does not like self-employed status in cc application unless it is some professional field like doctor, ca etc. or the person is holding savings acc in axis for at least a year or so with good balance &/or frequent large inward/outward transfers (neft/rtgs etc). Also, co-branded cards like airtel axis need to be applied only via their respective brand app (airtel thanks app in this case) else instant rejection.
Since I shop on Amazon quite a bit, I applied for SBI SimplyClick just now. Got instantly approved.
www.anumati.co.in
www.anumati.co.in
got it . dont have a ac with them and wont open for this stupid card, I applied for millenia card for my mother on basis of itr [ she has literally very low cibil] and got message that its approved and will be dispatched soon.
Depends but to increase your chances make sure to install & open/use the airtel thanks app linked with same mobile no. which is linked to axis flipkart card once or twice a week.
That is not typical retail consumer level spend & most 3rd party platforms won't even allow payment of such large electricity bills. I am guessing they use directly electricity board website to pay in which case using credit card will incur extra charge. If you can use cleartrip/yatra GV of 2k for flight booking then my suggestion is to get sbi simplyclick card which will give two 2k flight GV of yatra/makemytrip on online spend of more than 2 lakh in a billing cycle year which should be achievable with such usage pattern. As for LPG cylinder & phone & broadband recharge simply get rupay platinum debit card/cards from any bank you/they have acc with (except canara bank which charges absurdly high 500+gst annual fee for their rupay platinum debit card) & use it on any Friday on amazon to get 20% instant discount up to 100 per rupay platinum debit card on recharges/utility bill payments.
Axis is certified ****ed up bank ranked next to SBI & PNB , i wonder why people bank with them.
lol, they cant tell you that they are under RBI radar for irregularities. so it has to be "you" who dont know how to apply properly.
The latest bank to be restricted by rbi from issuing new cc is kotak bank. Axis bank never faced such restriction till now & very small chance they will face it in near future either. Bad customer service does not always mean bad technical/regulatory practices like what happened in case of hdfc bank in 2020 & kotak bank this year.
This rule is same for many years now, "Bank's internal norms" is a perfectly valid reason for rejecting cc application without explaining further because that involves "trade secret/confidential info" of bank. Only thing is, if customer complained to rbi demanding for further explanation of "internal norms" as reason of rejection & bank is not able to give a proper real reason hidden behind internal norms (because it is rbi so bank can't hide anything behind internal norms citing trade secret/confidential info) then rbi will order bank to reconsider the cc application of complainant. It is these "internal norms" that are used by banks to reject cc applications of cc money rotators/reward program abusers/commercial misusers.
40k is the total cost. It's divided into 5 bills
So avg 5 different bills of 8k each. That also will be an issue as many 3rd party platforms don't allow paying more than 3 electricity bills of same/different customer ID in a month. Airtel Axis cc has monthly cb of 250 for utility bill payments that too only via airtel thanks app & some electricity billers are not there on thanks app. Amex MRCC is very selective in approval so pincode of address mentioned in aadhaar matters most. Tata Neu infinity seem good option if one can use the neu coins to spend in tata Neu ecosystem as cb will be in the form of neucoins.
