Finally I got an Axis credit card after 3 rejections
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So I had applied for the Axis FK Co branded cc back in the month of Feb 2022 for the first time and got an instant rejection.
I had learned at the time from various forums that I need to wait for 3-6 months after the initial rejection and that I should reapply only after the aforementioned cooldown period is over.
I had forgotten about it altogether and went on a Infinity saga where I was Thanos and my infinity stones were different credit cards.
Fast forward to the month of September 2022, I got a call from an agent claiming to be from Axis ( spoiler alert- He was not ) and that they are offering a co branded Axis LIC credit card.
I quickly accepted his offer and signed up for it. The kyc personnel visited my residence and collected all the necessary e-documents.
Within 72 hours, I was informed that my application has been rejected due to internal policy.
Considering I hadnât received any rejection in a while and having impeccable credit history in terms of repayment, I got furious and in the heat of that moment I reapplied for their Myzone CC.
And guess what? EVEN THAT WAS REJECTEDÂ ALMOST INSTANTANEOUSLY WITH THE SAME INTERNAL POLICY BS!
My disappointment was immeasurable and my day was ruined but I wasnât gonna give up.
I escalated the issue to Axisâs nodal and principal nodal officer. Same response was received from their end. I even escalated the issue with RBI and I got the same reply from them stating that it is upto bankâs policy to accept or reject as per their discretion
So much for their guidelines on âreason for rejectionâ
However the RBI closure notice stated that and I quote
âThe bank had reviewed the complainant's application for credit card and confirmed that they were unable to offer credit card to the complainant due to low application score. This is a commercial decision of the bank and any grievance arising out of such decisions cannot be processed under RBIOS 2021.â
If they meant credit score by the above reasoning then my score was 771 at the time.
Fast forward to last week, I suddenly received a Pre approved promotional message from Flipkart that I am eligible for their co branded cc.
I was astounded, said WHAT THE HELL and proceeded to sign up for the application again. Went on to complete their video kyc, had a verification visit from their agent and lo and behold- I GOT THE APPROVAL.
I was stilll under the impression that a rejection might be on itâs way but got a tracking id and everything and todat received my card with a credit limit of whopping 1,80,000/-
Things to note from the above:
-There is cool down period it seems as I got the card just after getting rejected last month ( Sept 2022 )
-Applying for Axis card is like playing the lottery
-Monkeys are running the show at Axis
TLDR- Got rejected thrice, got accepted anyway with a decent limit. Axis is weird!?
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 By axis they mean 'F' axis & not a normal x/y/z axis
I agree with your statement: Monkeys are running the Axis show. And it's not only limited to their credit card. Their savings account and management is as weird. If you enquire about a specific saving account variant they are like "We don't have anything like that" and if you show them online then they exclaim "wow, we didn't know we had something like that! What are the requirements?"Â
Typical axis it seems. Ek month pehle tak I wasnât even eligible and apparently had low score but now suddenly I am eligible for a limit of 180k.
I was expecting 15-20limit at max but jadoo hogaya đ
Mine rejected two times, and FK approved in 3rd. They will simply send automated email copy/paste message if you ask anything.
HDFC and ICICI still answers politely and i had the best experience with them as of now. Axis care is worst.
Icici has been the best for me in terms of service. It is the first private bank acc I ever had and I still hold it with em just because of their impeccable service. Sure Iâve had a few annoying hiccups here and there but it isnât something a tweet or a call wouldnât solve. Their email support is absolute shite though as per my experience.
@buttman Your post made me feel good about Axis rejection. My Axis Flipkart and LIC applications were rejected as well despite having similar CIBIL score of 765. I plan to apply for some LTF free card only now from Axis, like MyZone or FK Axis when they are LTF for some short offer period. I don't think Axis Flipkart is worth paying for for just 5% cashback. I get all 10% off on Flipkart always from gift vouchers purchased via Supercoins anyway, or via some other BNPL cards or Paytm.
No! Joining fee and annual fee applicableÂ
@buttman, How much time it took for you to get a reply from RBI ombudsman?
I sent above message to PNO to enquire the reason.
See what reply I got,
"Dear Sir/Madam,
Thank you for writing to Axis Bank.Â
We acknowledge the receipt of your mail dated 10/09/2022 addressed to Nodal Office regarding Credit Card application.
We apologies for the inconvenience caused to you.
As per your concern, we would like to inform you that your card has been approved at initial stage therefore you have got the message as approved. However, later your Credit Card application has not been approved as the same does not meet the bankâs internal policies and operating procedures.
Hope we have addressed your concern."
Now I have applied 4th time today for Indian oil card. This time got approval within 5 minutes. recieved approval om both email and sms. I also expect the same behaviour.
See the screenshots attached.
Now, what should I do?? Any Suggestions? Have a add on card on my name of axis privelege card that is with my father as primary holder. Is it causing any issue? Also have axis account.
Bas Itna Hi......10 Rejection liye iss card ke chakkar main or sath main sardardi....Then got it with 15K limit & recently received limit increase offer & now my limit is 65K đ
- Application Status Rejected on 10 Oct 2023
We regret to inform you of our inability to approve your application as it does not meet the Bankâs internal Policy norms. Please refer to the email that will be sent to your email ID shortly
Hats off to your dedication and perseverance.
Axis __tha/__hai/__rahega....
Hence proved once again