Applying Axis fk cc using axis netbanking app.

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Deal Subedar
ramadesidime

I have applied for axis fk cc last week using axis netbanking app.
I thought, it is instant and online without providing any physical salary slip or income documents.
But, strangely, they called me for submitting physical docs. I told them that I am interested in uploading the docs electronically.
They said, it is not possible. Has any one applied and got the CC by providing electronic copies of the income docs?

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Deal Lieutenant Deal Lieutenant
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I have an existing axis bank credit card neo and ace card got it by just calling them once . no documents

Critic Critic
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If you don’t have an axis bank acc or axis bank card then you must give documents physically(or at least show them physically to the verification guy).

Deal Lieutenant Deal Lieutenant
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It likely also depends on the account history, if it is old without regular credits, they will ask again.

Deal Subedar Deal Subedar
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guest_999 wrote:

If you don’t have an axis bank acc or axis bank card then you must give documents physically(or at least show them physically to the verification guy).

Axis savings account is 4 years old account.

There are regular credits and debits of min two per month.

I felt that they(either axis employees or third party) have got my phone number and other details and trying to get the referral benefits by processing the CC.
I also received call from HDFC bank people after applying for CC using hdfc netbanking to sign the physical application which we rejected over phone. Then, few days later, got the HDFC CC directly without submitting any physical docs.

Critic Critic
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ramadesidime wrote:

Axis savings account is 4 years old account.

There are regular credits and debits of min two per month.

I felt that they(either axis employees or third party) have got my phone number and other details and trying to get the referral benefits by processing the CC.
I also received call from HDFC bank people after applying for CC using hdfc netbanking to sign the physical application which we rejected over phone. Then, few days later, got the HDFC CC directly without submitting any physical docs.

In case of HDFC it is known that people get commission for processing card application & these guys usually call after applying online(many comments in hdfc ltf deal thread) but not heard similar thing about axis here recently. As far as I know all the people who got this card here had to submit/show documents physically.

Deal Cadet Deal Cadet
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I just got axis Flipkart card without any documents. I have applied after login to my account.
No documents / phone calls

Deal Subedar Deal Subedar
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i applied against on card to card to basis. they just took last statement of existing cc.

Deal Cadet Deal Cadet
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akki.akki wrote:

i applied against on card to card to basis. they just took last statement of existing cc.

Online r i can visit branch?

Deal Subedar Deal Subedar
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akki.akki wrote:

i applied against on card to card to basis. they just took last statement of existing cc.

which is your earlier CC? whats credit limit?

Deal Cadet Deal Cadet
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i received axis bank card for foreign travel. are they associated with axis bank account or just one time thing ?

Deal Cadet Deal Cadet
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akki.akki wrote:

icici…1.6 lac.

u got the card? i applied via online banking (i have axis acc) and gave icici amazon card statement 2 days ago, i am yet to receive an update.

Deal Subedar Deal Subedar
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sobirvs wrote:

u got the card? i applied via online banking (i have axis acc) and gave icici amazon card statement 2 days ago, i am yet to receive an update.

dont worry u will get the cc. hope ur icici cc is having at least 50% limit available.

Deal Cadet Deal Cadet
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akki.akki wrote:

dont worry u will get the cc. hope ur icici cc is having at least 50% limit available.

Yes, easily. However I did apply a year back aswell with my SBI CC which had like 90% limit left, still they denied for some reason.

Deal Cadet Deal Cadet
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akki.akki wrote:

dont worry u will get the cc. hope ur icici cc is having at least 50% limit available.

So verification call happened 2-3 days ago. When you got sms (after how many days) after the verification call?

Deal Cadet Deal Cadet
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So finally after 4 times applying and getting rejected everytime since last year, applied this time on 2nd jan and got a text today on 19th jan saying my card is approved. Haven’t received the card no nor it is showing on online banking yet though. Text says card numbers will follow soon. Thankgod, finally axis idiots got their shit together. Let’s hope the card generates and dispatches soon.

Deal Cadet Deal Cadet
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sobirvs wrote:

So finally after 4 times applying and getting rejected everytime since last year, applied this time on 2nd jan and got a text today on 19th jan saying my card is approved. Haven’t received the card no nor it is showing on online banking yet though. Text says card numbers will follow soon. Thankgod, finally axis idiots got their shit together. Let’s hope the card generates and dispatches soon.

Which documents you gave?

Deal Cadet Deal Cadet
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shubham1727 wrote:

Which documents you gave?

card to card basis. so just id and card statement of icici apay.

Deal Subedar Deal Subedar
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sobirvs wrote:

card to card basis. so just id and card statement of icici apay.

Did you share the physical copies to the agent OR electronic copies via email/web upoad ?

Deal Cadet Deal Cadet
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ramadesidime wrote:

Did you share the physical copies to the agent OR electronic copies via email/web upoad ?

physical ID he took picture off and statement of my other card over email and paid him 50 rs for print out that he did.

Deal Subedar Deal Subedar
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sobirvs wrote:

physical ID he took picture off and statement of my other card over email and paid him 50 rs for print out that he did.

Ok

What is your cibil score? Is it above 800?

Deal Cadet Deal Cadet
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sobirvs wrote:

So finally after 4 times applying and getting rejected everytime since last year, applied this time on 2nd jan and got a text today on 19th jan saying my card is approved. Haven’t received the card no nor it is showing on online banking yet though. Text says card numbers will follow soon. Thankgod, finally axis idiots got their shit together. Let’s hope the card generates and dispatches soon.

are u self employed?? do u have account in axis bank?? how frequently did u apply last year? took a gap of 3 months or back to back 4 applications??

Deal Cadet Deal Cadet
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aniket1587 wrote:

are u self employed?? do u have account in axis bank?? how frequently did u apply last year? took a gap of 3 months or back to back 4 applications??

Yes self employed.

I got rejected 3 times last yr, then this time opened account in axis (digital) around aug/sept) and then applied on 2nd jan via online banking. kept around 1L balance till now (will prolly move it now as I have the card as I opened the account for the sole purpose of getting the card and I heard from a axis employee that bank has internal score something which is based on your relationship and balance with axis)

applied i think 3 times beofore JULY/AUG. Got declined every time. This time applied after 6 months give or take.

Deal Subedar Deal Subedar
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sobirvs wrote:

Yes self employed.

I got rejected 3 times last yr, then this time opened account in axis (digital) around aug/sept) and then applied on 2nd jan via online banking. kept around 1L balance till now (will prolly move it now as I have the card as I opened the account for the sole purpose of getting the card and I heard from a axis employee that bank has internal score something which is based on your relationship and balance with axis)

applied i think 3 times beofore JULY/AUG. Got declined every time. This time applied after 6 months give or take.

Ok. Seems to be relation with them via savings account is important factor to get the CC.

Deal Cadet Deal Cadet
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My axis ace got rejected. I am a salaried person with cibil of 769. Is It really necessary to have savings account with them to get cc?

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ramadesidime wrote:

Ok. Seems to be relation with them via savings account is important factor to get the CC.

I don’t think so as many have said before that they got the card without having any relationship with the bank.

However I was sick of getting denied so opened the account at axis which was a huge pain in the *ss, https://www.desidime.com/discussions/horrible-e... but I went through it and had 15rs+gst debited from my account for 6 months and maintained 1L bal for 6 months (still do) and applied and worked. So who knows.

Deal Subedar Deal Subedar
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sobirvs wrote:

I don’t think so as many have said before that they got the card without having any relationship with the bank.

However I was sick of getting denied so opened the account at axis which was a huge pain in the *ss, https://www.desidime.com/discussions/horrible-e... but I went through it and had 15rs+gst debited from my account for 6 months and maintained 1L bal for 6 months (still do) and applied and worked. So who knows.

Agreed.

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