What Should I Do with My Axis Credit Cards?
1. Axis Flipkart - Paid Card, kept for 5% CB on Flipkart, But now it won't give 4% on Swiggy and I have Millenia too.
Best thing about this card was 1.5% offline but that got reduced to 1%
Lounge access is also conditional now
2.Axis IOCL - LTF.Only Axis card that I use every month.Accrues points for UPI transactions at Fuel Pumps too.
But are those points useful?
3.Axis Myzone - LTF. Haven't used this card Since last two years
4.Axis IKEA credit card - LTF. Got it in exchange of Citi IKEA.
Please be kind
Tagging + @Agnivo007 @leonidass @Gulag-Survivor @getready @sherlock @HasdaChehra
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I don't Have Airtel Connection
In comparison to airtel axis, i see these cards less fortunate.
Try swapping or upgrading any one with airtel axis cc
Keep the rest if limits aren't shared.
Also it is never suggestible to close card which is aged 2 years or more.
Anyone got Airtel one ltf?
Unlike FKA, Millennia doesn't offer unlimited 5% CB. You don't use Myzone, so IMO you should close it and get Airtel / Ace/ LTF Neo as per your requirements. Since Axis only provides 3 cards (Citi merger allowed you to get a 4th card), I am not sure if they will grant you a 4th card again. So please check with customer service before closing My Zone.
So swap Axis IKEA for Ace?
Does it still give offline 1.5%?
It would be a paid card, would it make sense keeping two paid cards?
Already informative and wise suggestions shared... shall post if find something to add... @kipte.khoka
close all and take axis neo ltf.... use it for zomato offer.
Axis iocl works in Zomato 30% upto 150 per transaction and can be used twice per month with coupon code AXISIOCL
Don't close FK axis, as it gives unlimited 5% over regular card offers running in Flipkart, millennia is not a replacement of FK axis. In case you want a different axis card then they would tell you to close 2 of your cards and then you can apply for a 3rd card, you won't be able to get a 4th card again.
Which two
§ @HasdaChehra told not to close two year old cards
In my opinion sit tight
since most of the cards are LTF for you, dont mind paying that 500 for 1 card:) and I would suggest keeping all the cards since there is no way for you to get 4th card from axis here on:) as per axis current policy
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My Recommendations..
Keep: IOCL (LTF, useful for fuel)...
Close: Flipkart (Millenia overlaps benefits), MyZone, IKEA (if unused)...
Suggestion: Apply For Axis Airtel if possible.
How did you get IOCL as LTF? I recently closed mine as Axis denied converting my Citi migrated card to LTF.
There was a time when axis was offering LTF IOCL card, I missed it cause of some duffer sales person visited my home. Now I have to spend 50k to reverse charges.
Flipkart - I too had it for years, got it closed since the annual waiver @ 3.5lc is just too much now, recent devaluations and I have Millenia and Swiggy too. The only place where I'll miss this card is for large purchases since it has unlimited cashback.
IOCL - The only bad part about this card is the EDGE Reward Points, so you'll have to wait for them to accumulate a lot before redeeming them for vouchers. Since yours is LTF, I would suggest you keep it since the 4% cashback for fuel is really helpful and you'll find IOCL pumps everywhere and you'll earn the rewards at almost each one of them (unlike others which may deny the rewards stating that a particular pump is not eligible). I too have it, but paid. So again, spending 3.5lc is still a task here. And yes, this one gives 1% on UPI spends as well. Also, this is the only fuel card which gives reward even when you purchase fuel by making a UPI transaction, others don't.
Myzone - My first card, and the first to be closed as well since it was useless. Close it.
I’ve closed my FK Axis account because Flipkart’s policies keep getting worse.
I have absolutely no intention of making any large purchases from Flipkart again.
If needed, I’m willing to take risks with Amazon, but Flipkart is completely off the table.
True, I too faced same. Amazon is quite better.
For IOCL - accumulate 10000 Edge Rewards points and buy Amazon / Flipkart 2000 GV .
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INR 5000 Spend every month on fuel: 1000 rewards points & approx. 5000 INR UPI spend: 250 rewards points : Approx. You can get 1250 rewards points every month
Saare closed karva do airtel wala lelo agar airtel connection h