Axis Flipkart Credit card application doubts

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Deal Subedar
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I had applied for Axis Flipkart credit card. The executive came for documents and asked for my aadhaar and pan. Also gave them fingerprint. Then asked for a nominee pan, aadhaar and photo.  I gave the same of my father.  Also he ticked for addon card saying it is free. I refused but they said it’s free and were adamant on ticking it. And submitted my application

My questions are:
1. What is need of nominee in credit card?
2. Any issue if i get the add on card?

#creditcardusers

44 Comments  |  
17 Dimers
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Deal Newbie
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Same thing happened to me but it has been more than 10 days still its showing as in process

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Deal Cadet
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which is better to apply..amazon icici card for flipkart axis card..i just buy things which are cheaper either on it..so there is no preferred choice for amazon etc

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Analyst
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Nominee and addon: Nothing to worry. No problems.

Axis slow or pathetic response depending on luck: That could be issue.

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Deal Subedar
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binod_babu wrote:

which is better to apply..amazon icici card for flipkart axis card..i just buy things which are cheaper either on it..so there is no preferred choice for amazon etc

Amazon icici is ltf whereas axis flipkart is 500 from second year.

So icici should be first preference

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Deal Major
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1. Not nominee..it is KYC for Add-on card
2. No

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Deal Subedar
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They are insisting for nominee as nominee ‘inherits the estate’ and is second liable person.
Axis doc guy insisted with me also but I refused.
They can’t force you.

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Deal Lieutenant
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they are making fool in the name of nominee, they just want you to get a add on in the name of nominee
please anyone who doesn’t want add on don’t take one, its not compulsory
my axis doc collection guy was also giving me gyan
I gave him some back and in a minute he knew that I will not be made a fool so he backed up

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Deal Subedar
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SARDARKHAN wrote:

they are making fool in the name of nominee, they just want you to get a add on in the name of nominee
please anyone who doesn’t want add on don’t take one, its not compulsory
my axis doc collection guy was also giving me gyan
I gave him some back and in a minute he knew that I will not be made a fool so he backed up

In addition to taking photo of pan of nominee in tablet, he also took photo of pan in separate phone. I am worried that it would be misused. Or they might be making credit card application for my father also.
Cc: @nimod @getready @rpal @beawre1

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Deal Subedar
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rohan8397 wrote:

In addition to taking photo of pan of nominee in tablet, he also took photo of pan in separate phone. I am worried that it would be misused. Or they might be making credit card application for my father also.
Cc: @nimod @getready @rpal @beawre1

You must not have let him do that.
You should complain to axis.
Through email.

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Deal Cadet
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ideally the executive guy should not have forcefully ticked the add on. in the other hand there is no issue with add on card its totally free. and its statement will be clubbed with your primary card only.

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Analyst
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titamazon wrote:

Amazon icici is ltf whereas axis flipkart is 500 from second year.

So icici should be first preference

+

Depends on:

Whether major spends or an Az or Fk (Respective one better)

Whether is your primary card (Axis Fk better)
If no primary, then annual fee and tgt for fee waiver becomes imp (Axis Fk better)

Fk axis rp rate is 50% higher at non-partner / all other sites (Axis Fk better)

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Deal Subedar
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The same has been happened with me last year when I applied for Axis privilege card. Executives are applying for add-on by misinforming nominee to customer. I don’t think any Credit card has nominee funda.

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Analyst
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rohan8397 wrote:

In addition to taking photo of pan of nominee in tablet, he also took photo of pan in separate phone. I am worried that it would be misused. Or they might be making credit card application for my father also.
Cc: @nimod @getready @rpal @beawre1

If in doubt, ask or check at time of signing / approving: whether its nominee or addon.

If nominee addition – it is recommended or better idea to have a nominee.

If they giving addon – it is actually better. They are giving extra card. Charges are nil for addons. No income doc or cibil score needed or used for addon of family member. Only basic kyc docs r taken.

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Deal Lieutenant
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rohan8397 wrote:

In addition to taking photo of pan of nominee in tablet, he also took photo of pan in separate phone. I am worried that it would be misused. Or they might be making credit card application for my father also.
Cc: @nimod @getready @rpal @beawre1

yes you should have not allow him to do so

for others if you dont need a add on dont share your family members kyc with the agents
they just gets commission for it
and in rare case your kyc might be misused too

also what even we need nominee for in credit cards rolleyes

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Deal Cadet
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Most Rubbish bank AXIS Bank ever seen

First Received sms APPROVED
After 5 days, received sms DECLINED

Called Customer care and they are telling, unable to find anything!

Most pathetic customercare and USELESS PNO DESK, most unprofessional Management.

Really frustrating.

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Analyst
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arnabdimer wrote:

Most Rubbish bank AXIS Bank ever seen

First Received sms APPROVED
After 5 days, received sms DECLINED

Called Customer care and they are telling, unable to find anything!

Most pathetic customercare and USELESS PNO DESK, most unprofessional Management.

Really frustrating.

Yes, Axis cc is much below the mark. Almost pathetic and no way out if luck is not in ur favor.

With pandemic, they managed to deteriorate their level even further! Remarkable feat. flushed

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Deal Cadet
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rpal wrote:

Yes, Axis cc is much below the mark. Almost pathetic and no way out if luck is not in ur favor.

With pandemic, they managed to deteriorate their level even further! Remarkable feat. flushed

Exactly

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Deal Lieutenant
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beawre1 wrote:

Same thing happened to me but it has been more than 10 days still its showing as in process

Its been a month and a half and its still showing In process.

Cc are a bunch of low lives with 0 info of their product.
Twitter handle is a bot .
So there’s no way to escalate this issue even.
So yeah ! Hellalujah

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Deal Subedar
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I got the below message:
“Thank you for applying Axis Bank Credit Card. Your application xxxxx is being reviewed. Kindly expect an update within 5 – 7 working days”

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Deal Cadet
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2 applications on 2 CIBIL scores of over 800 and 850. Both declined. Wonder why.

Customer care can’t even find my application.

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Deal Subedar
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makeourdeal wrote:

The same has been happened with me last year when I applied for Axis privilege card. Executives are applying for add-on by misinforming nominee to customer. I don’t think any Credit card has nominee funda.

that what I said earlier:

They are insisting for nominee as nominee ‘inherits the estate’ and is second liable person.

They are insisting someone must be there to inherit the debt. stuck_out_tongue

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Deal Subedar
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rohan8397 wrote:

I got the below message:
“Thank you for applying Axis Bank Credit Card. Your application xxxxx is being reviewed. Kindly expect an update within 5 – 7 working days”

Received verification call from axis today

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Deal Subedar
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I checked on the website and it shows status as approved and credit limit is also shown. Is any virtual card generated like Amazon icici?

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Deal Major
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rohan8397 wrote:

I checked on the website and it shows status as approved and credit limit is also shown. Is any virtual card generated like Amazon icici?

Yes
But VCC only for Applications via FK app

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Deal Subedar
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getready wrote:

Yes
But VCC only for Applications via FK app

But flipkart app still showing document pickup sweat_smile

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Deal Subedar
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getready wrote:

Yes
But VCC only for Applications via FK app

Vcc Showing in Axis bank app.

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Deal Major
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rohan8397 wrote:

Vcc Showing in Axis bank app.

Cool
In my case..VCC works only with FK app (not accessible via Axis mobile)

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Deal Cadet
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nimod wrote:

You must not have let him do that.
You should complain to axis.
Through email.

In a single word
Ghanta HOGA!

Axis bank does care about customer, they just there to feck ur money as any way they can.

Only rubbish bank, does not have proper tracking system of CC application.
Even u call cc, they could not find unless u tell application number.

Then why they have taken contact number and other details!

My mother applied, on 17th received ur card APPROVED and then on 22nd received application DECLINED.
Called CC and they told, unable to find any application through ur registered mobile number and DOB still I received all sms on that number.

REALLY FUNNY!
SO, BE CAREFUL GUYS!

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Deal Subedar
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getready wrote:

Cool
In my case..VCC works only with FK app (not accessible via Axis mobile)

Hey bro, do you know how to track the shipping of the card? Not received any details of the same.

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