Axis bank Indian oil credit card

Sushrut.B wrote:
Leave it... Since I applied via 2nd link, I won't be doing that...I just applied because it was shown as an LTF card but not that desperate for this card...

I hate the fact that they told me it's Pre-Approved while maybe it was not plus they did hard inquiry which they shouldn't do for old customers who already have 2 cards with them & savings account since 2003...

Also after logging via the first link, it showed me the application status of previous MyZone card which was approved...There was no option to apply for any other cards...

I really wanted a RuPay CC that's payable with HDFC Pt DC. That along with it being LTF was the only reason I applied for it. It is shown as a paid card to me in the first link.
I would have gonna knocking at RBI door, too, if I had viable alternatives to Ace/Magnus. I am simply in no position to risk losing them.

romilq wrote:

That means it was not preapproved. They tricked you into applying freshly to get their commission and complete their target. Same happened to my friend last week. They called him and he went to branch to apply and to do KYC. He was told it’s preapproved but was declined. 4-5 days later he got another call and they said again it’s preapproved. But this time they said it can be self applied through net banking preapproved offers. So he opened app and there was preapproved offer shown. Card was instantly approved. If it’s preapproved then there is no need for anyone else. You can self check, apply and card is instantly approved. 

Yes it was not pre-approved. They made me apply, for their own benefit & I'm not surprised with this, as this is not a new thing for Axis & for some other banks like SBI & HDFC who even keep sending fake random/automated pre-approved emails & SMS to their customers & then reject it after customer applies, giving the reason of internal policy/credit policy...

I feel like abusing/shouting on them etc, but I can also understand the pressure they have to take...They have to fulfil their monthly targets, these CC desk people get very low salary already plus high targets...

Sure we feel cheated but I know maybe I would have to do the same if I would have been in their places...

Imagine the abusive messages call center guys have to listen all day from the customers, because of the bad services provided by their company/organization... :(

DimeDime wrote:
I really wanted a RuPay CC that's payable with HDFC Pt DC. That along with it being LTF was the only reason I applied for it. It is shown as a paid card to me in the first link.
I would have gonna knocking at RBI door, too, if I had viable alternatives to Ace/Magnus. I am simply in no position to risk losing them.

I also wanted a Rupay CC, because of the current offers, specially in Zomato but maybe next time...

romilq wrote:

That means it was not preapproved. They tricked you into applying freshly to get their commission and complete their target. Same happened to my friend last week. They called him and he went to branch to apply and to do KYC. He was told it’s preapproved but was declined. 4-5 days later he got another call and they said again it’s preapproved. But this time they said it can be self applied through net banking preapproved offers. So he opened app and there was preapproved offer shown. Card was instantly approved. If it’s preapproved then there is no need for anyone else. You can self check, apply and card is instantly approved. 

He wasn't tricked into applying. He had already done that and took a CIBIl and experian hit for that while doing so.

That pre-approved assurance came later.

All he could have done after that was not to proceed with the biometric kyc. Thereby making sure that the lead generated didn't get converted into a "lead converted" for the telecaller and biometric-kyc-agent.

Sushrut.B wrote:

I also wanted a Rupay CC, because of the current offers, specially in Zomato but maybe next time...

Still optimistic, huh?!😄

DimeDime wrote:

Still optimistic, huh?!😄

Next time from OTHER BANK, maybe... 😄

DimeDime wrote:
He wasn't tricked into applying. He had already done that and took a CIBIl and experian hit for that while doing so.

That pre-approved assurance came later.

All he could have done after that was not to proceed with the biometric kyc. Thereby making sure that the lead generated didn't get converted into a "lead converted" for the telecaller and biometric-kyc-agent.

Actually they told me on the phone that it's Pre-Approved & LTF, BEFORE I did the Biometric so yes they tricked me into applying because they knew that it was not pre-approved but they didn't want to lose out on their commission...

After applying on the website, they called me on the very next day & told it's Pre-Approved & LTF & they only need to see my Aadhar number.. They didn't tell me that there will be a biometric also...

I asked the guy who came home, why it's needed as I already have their cards & savings account with them & he said, "it's new policy by Axis bank, but don't worry your card is pre-approved & you can see the card number in Axis mobile app in 2-3 days"...

I was checking my app daily to see the new card number also lol & then got the decline sms today... 😄

Sushrut.B wrote:
Next time from OTHER BANK, maybe... 😄

Bacha kya phir, dada?
BOB? SBI? ICICI?
ICICI Rupay CCs still have BIN problems during offer period, I think.

DimeDime wrote:
Bacha kya phir, dada?
BOB? SBI? ICICI?
ICICI Rupay CCs still have BIN problems during offer period, I think.

ICICI & SBI se cards hain already...ICICI se 3 cards hain...Aur nhi denge woh log... 😄

And I have SimplyClick so don't want another paid card from SBI...

Sushrut.B wrote:
ICICI & SBI se cards hain already...ICICI se 3 cards hain...Aur nhi denge woh log... 😄

And I have SimplyClick so don't want another paid card from SBI...

No, no, I was talking about HDFC Pt DC Billdesk supported Rupay CCs.

Axis- unsuccessful.
BoB - payment issues,
CBI - pata nahi,
ICICI- BIn issues,
IDBI- not sure/extremely difficult to get,
Kotak- Newly launched. I will apply for it.
SBI- no LTF/rewarding CC.

DimeDime wrote:
No, no, I was talking about HDFC Pt DC Billdesk supported Rupay CCs.

Axis- unsuccessful.
BoB - payment issues,
CBI - pata nahi,
ICICI- BIn issues,
IDBI- not sure/extremely difficult to get,
Kotak- Newly launched. I will apply for it.
SBI- no LTF/rewarding CC.

Yehi chahiye CBI... 😄

Sushrut.B wrote:
Yehi chahiye CBI... 😄

If my memory serves me right, then CBI has not even on-boarded any CC customer in the last 3-4 months(or may be even more). I think it it has/had some tie-up with SBI for issuing joint CBI-SBI CCs.

Anyone knows if I block the debit card of Axis, will they auto-issue the replacement card? I don't need their DC as I mostly use Credit cards so paying 250+ doesn't make sense...

I can call them but these morons will misguide so asking here...

Sushrut.B wrote:

Anyone knows if I block the debit card of Axis, will they auto-issue the replacement card? I don't need their DC as I mostly use Credit cards so paying 250+ doesn't make sense...

I can call them but these morons will misguide so asking here...

You can block it.. no replacement will be issued. I did the same.

Sushrut.B wrote:

Anyone knows if I block the debit card of Axis, will they auto-issue the replacement card? I don't need their DC as I mostly use Credit cards so paying 250+ doesn't make sense...

I can call them but these morons will misguide so asking here...

Call customer care and get the card blocked.from app only block and reissue possible.on call well not to reissue

daydeals wrote:

You can block it.. no replacement will be issued. I did the same.

You called customer care & blocked it or did it from the app/netbanking?

Sushrut.B wrote:
You called customer care & blocked it or did it from the app/netbanking?

From net banking

Can we get Cashback & Edge rewards on fuel transctions with Axis card only through IOCL owned petrol pumps or through IOCL dealers too ?

Swami007 wrote:

Can we get Cashback & Edge rewards on fuel transctions with Axis card only through IOCL owned petrol pumps or through IOCL dealers too ?

1. Its not cashback, but 1% waiver of surcharge.

2. If you fill in IOCL pumps you get 10x edge rewards where as others you would 2x reward points. Fuel charge wavier in either case.

playdime wrote:

1. Its not cashback, but 1% waiver of surcharge.

2. If you fill in IOCL pumps you get 10x edge rewards where as others you would 2x reward points. Fuel charge wavier in either case.

So this card is not so beneficial to me as there are only IOCL dealers in my city. 

Can some one confirm about 10x edge rewards on dealers listed on ICOL site: https://locator.ioc...m/  

neel648 wrote:

Call customer care and get the card blocked.from app only block and reissue possible.on call well not to reissue

There was an option to upgrade card in the app... I selected that & changed to Axis ATM Chip card which has zero fees as the card can only be used in the ATMs...