Flipkart Launches a co-branded credit card with AxisBank

By | August 8, 2019

After Amazon, Paytm & Ola Cabs, here comes another co-branded credit card in the market from Flipkart on Mastercard platform, to be issued by Axisbank. While Flipkart already has Axis Buzz credit card, which is basically a Flipkart credit card, it never got that popular.

So it looks like Flipkart decided to come up with another variant with features in line with the new trend in industry for entry-level cards: Flat cashback %

  • Joining/Annual Fee: Rs.500 (annual fee waived on 2L spend)
  • Welcome benefits: Rs.500 Flipkart Voucher & more
During Launch of Flipkart Credit Card (Image: Moneycontrol)

Benefits at Glance

  • 5% Cashback on Flipkart, Myntra, and 2GUD spends
  • 4% Cashback on MakeMyTrip, Goibibo, Uber, PVR, Curefit, and UrbanClap spends
  • 1.5% Unlimited Cashback elsewhere
  • Domestic Airport Lounge Access: 4/Yr

While these are the details known so far, I’ll keep you updated when I get to know more.

So just like all other co-branded credit cards that were recently launched, this too is an entry-level credit card with a light mix of premium credit card benefits, as it also gives you domestic airport lounge access which is Mastercard’s USP.

How to Apply?

The bank is planning to allow only select users to apply for now but we can expect it to be open for all in coming weeks.

Multiple Cards: Axisbank can “technically” issue upto 4 credit cards per head, but again, based on profile this number may vary. So, if you’ve one of the Vistara co-branded credit cards, getting flipkart credit card shouldn’t be a problem.

Bottomline

Overall its a decent card and infact Flipkart’s credit card wins over the rest with its lounge access benefit, but again comes with Rs.500 joining fee, which is OKAY as you anyway get the equivalent Flipkart voucher as welcome benefit.

So its good to see some rewarding credit cards from Axisbank too, which is known for their history of poorly rewarding cards, except those with Vistara.

What’s your take on the new Flipkart credit card by Axisbank? Feel free to share your thoughts in the comments below.

Source: CNBC/Uniindia

Author: Siddharth

A Credit Card addict, minting reward points & air miles for years. Obsessed with aviation, airport lounges and luxury hotels. Helping Indians choose a right credit card and enjoy luxury travel at affordable cost.

114 thoughts on “Flipkart Launches a co-branded credit card with AxisBank

  1. Prashant Gupta

    Looks a good card and a rival for amazon pay card. But amazon pay i think wins in terms of payment made to partners and bill paymet where one gets 2%….T
    his cards 4% cashback on mmt,UC,Uber etc are very attractive for an entry level card…

    Reply
  2. Praveen Katiyar

    Overall a nice proposition. Apart from partner offers, other gud thing is cashback.
    1.5% default cashback is gud enuf for entry level card.

    Reply
  3. Vinod Kannan

    On SBI Elite card, you get 1.75% Cashback only when u spend 10 Lakhs. When u see the Cumulative Cashback potential of this card, it beats SBI Elite Hands down. Also this is much better than all other wallet cards. This offers a flat 1.5% cashback which is much better than Amazon Pay which offers only 1% Cashback elsewhere. Also this offers Free Lounge access. U can always have the Annual fee waived by spending 2 lakhs easily.

    Reply
  4. Ankit Malhotra

    The 4% on MMT handsomely beats the ICICI MMT card. The card will be revised shortly. 4% on Uber and CureFit and the 1.5% generic cashback makes it a very lucrative daily driver card. I suspect this will be revised very very soon once the user base is pulled in.

    Reply
    1. Tapish Kumar

      Hi,
      Do we get 5% cash back when we book flight tickets on flipkart?

      Reply
  5. Vinod Kannan

    Have to see how flipkart proceeds with the card acquisition. It was very smooth in case of Amazon Pay since everything was online and Pre-approved. If that is also the case with Flipkart, then this card will be a superhit.

    Reply
  6. Captain Bishuddha Bharatiya

    Default reward rate of 1.5% is way more than Regalia and many other bank’s premium cards. It’s a really big advantage . I would love to get hands on.

    Reply
  7. Dr.Hardik Patel

    Is there any cap on cashback like upto this and this?

    Reply
    1. ravi

      Unlimited cashback. That’s what AXIS bank website mentions. But the cashback will be as Flipkart cash. Can be used only on Flipkart website

      Reply
    2. Raghu

      No. It’s unlimited cashback to CC statement (before the next statement cycle though)

      Reply
  8. Points Addict

    If we leaveout lounge access and Foreign Currency markup, this is more or less competing with YFE, isn’t it?

    Reply
    1. Praveen Katiyar

      @Points
      No way..
      How can u leave something like unlimited priority pass visits for primary and add on cards ?
      YFE is very different segment dear.
      Pls don’t compare apples and oranges..

      Reply
  9. Vinod Kannan

    @Hardik Patel… Nope… The Cashback is Unlimited, Both Regular and Accelerated ones.

    Reply
  10. DareDevil

    The competition is getting better out of the start ups. 0.5% to 1% and now 1.5%.
    Great going !!
    Waiting for a start up like Brex in India.

    Reply
  11. Shikhar Makkar

    The card is now live on axis bank website and is open to everyone for application. Looking at the T&Cs, ICICI Amazon Pay card seems to be a better proposition. No cashback for wallet loading, fuel spends, purchase of gold items, EMI transactions and purchase of gift cards 🙁

    Reply
    1. Gautam Goel

      Hi,
      You can have both cards, Amazon ICICI and Flipkart Axis. Use Amazon ICICI for purchases at Amazon website, Wallet recharge and Fuel spends. There is no cashback on EMI transaction on Amazon ICICI card.
      Flipkart Axis you can get 1.5% plus if you pay your life insurance policy of LIC, you don’t have to pay additional charges.

      Reply
  12. Habeeb

    Today morning I have noticed a banner on Flipkart Android & ios app to register for this card. It says “Launching Flipkart Axis Bank Credit Card. Get Flat 5% Cashback* | No Upper Limit. Register Now”.
    The next step asks name, email, phone number and a ‘Notify Me’ buttom.
    After this step there is a message Like “Success Thank you for showing your interest in Flipkart Axis Bank Credit Card. YOU WILL BE NOTIFIED SOON!!”.
    After registration the banner disappeared.
    Anybody else registered? is This option available to all users?

    Reply
  13. Ratnesh kumar

    Now show your interest badge, for this card is available on flipkart app.
    After clicking prefilled detail like name ,email,mobile coming and once clicking submit message pop up saying we will notify you soon…

    Reply
  14. craditfreaks

    One can show the interest for the card on Flipkart application page by providing email and mobile number.

    Reply
  15. Raghu

    All this really brings up the question – How many cards is it ok for a person hold? I spend around 7-8 lakhs per annum on credit cards.
    I hold the following already:
    1. Citi Rewards (from 2010) (Limit ~1L)
    2. HDFC Regalia (from 2013) (Limit ~6.5L)
    3. SBI Prime (from Jan 2019) (Limit ~1.7L)
    4. Amazon Pay ICICI CC (from July 2019) (Limit ~5L)

    Reply
    1. Praveen Katiyar

      Haahaa.. Nice thought..
      I can say hold as many card as you can manage ‘sanely’.. after a point u began to notice that you are not able fulfill the min. spends needed for fee waiver that’s when you need to take a pause and re-strategize.. with LTF this becomes simple.. or i can say that if u can justify the annual fee with benefits hold the card else think again..

      Reply
  16. ARR

    Hi all,
    Flipkart is inviting registrations for this card through its app.

    Reply
    1. Shivi

      @ Bhoi Bhai:

      Axis is a Bank, Flipkart is a site – Neither is a credit card.

      Reply
  17. ANIL RAJ I S

    Good card and super rewards program. But I prefer amazon pay Icici credit card as I generated card instantly and got Rs 500 cash back instantly.

    I have Flipkart plus membership but I think I don’t get this card as Axis Bank directly provide this card.

    Reply
  18. Amanpreet Bindra

    The axis bank website is showing the card but no option to apply. Registered via FK app though. Due to past bad experience with Axis, had kept axis out of my list for credit card options, but this one looks like a good deal.

    Reply
  19. praveen

    Applied for this card using my existing axis buzz card from Flipkart app and the new card is instantly generated … Felt good untill I realized they have actually swapped my buzz card with this new card !!!

    Reply
  20. Nihar

    With this card launch Flipkart has devalued its own Flipkart Plus program, earlier Hotstar prime was available for 50 plus coins . Now they have spiked it to 750 supercoins (not 500) .

    Reply
    1. Raghu

      Yeah. that’s sad. Flipkart has one of the worst and most complicated loyalty programs ever. it just sucks.

      Reply
  21. Sharathkumar Anbu

    I just had a word with flipkart customer care regarding the application. I was told that application is open only for members who already have axis bank buzz credit card. They will get banner in the app / website to apply for the credit card.

    For others, it will be opened later it seems.

    Reply
    1. Praveen

      For buzz card holders, it’s instant conversion from buzz to the new card on Flipkart app… It’s takes only a couple of minutes…

      Reply
      1. Teja

        I have buzz card .. can u please explain the process how to change to the new card

        Reply
  22. Himanshu Kainth

    I have submitted my details on FK app for this card. I didn’t get any call from the bank. They should take online application just like amazon pay card.

    Reply
  23. bhavyeG

    Axis has closed down Axis Buzz Credit Card. They have just rebranded the card in a new package. Now no more 10% discount on 1st to 5th of every month if you upgrade to Axis Flipkart CC.

    Reply
  24. MURALIMR

    AXISBANK opened apply now link for Flipkart AXIS card. I had registered for call back three times but nobody from AXIS BANK called.

    Reply
    1. hari

      If you have an existing Axis Bank CC, you can request for a swap. They are taking requests to swap the existing card to Flipkart card.

      Reply
        1. Praveen Katiyar

          @Sid
          Yesterday while talking to Customer Care of Axis Bank, the executive informed me that ‘Apply Now’ has been enabled for all customer on Axis Website few days ago. On checking the website, I could apply like I did for other cards of Axis.
          This may help who want to apply fresh, as earlier this was invite based, as far as I know.

          Reply
  25. Bhavya

    Asked for the swap option they told to submit all the documentation again as it would be considered as fresh card.

    Reply
    1. Hari

      You need to convince them. Today, I am able to see the Flipkart card on my net banking.

      Reply
  26. Sakthivel

    I applied for this card thru Axisbank website. Received the call from their representative next day and submitted all the documents. Now i received a message that my card has been approved. Yet to receive my card. This process took one week.

    Reply
    1. Pradeep

      hi sakthivel,
      Do you have any previous relationship with axis?

      Thanks

      Reply
    2. Ratnesh

      Overall time frame from submitting the document to getting the card…Kindly elaborate.

      Reply
    3. R@tnesh

      @sakthivel
      What is d overall processing time for this card….
      Because I have shown interest for this card on Flipkart and one fine day I have received call from axis bank and very next day(08/08/19) one person arrived with Axis Tab and taken all the detail in his tab…after that I have not got any update…The only thing I have got that thank you for applying axis Flipkart card…Even I haven not application reference number til now..
      Kindly throw some light….how you have applied …and sequence of happenings…

      Reply
      1. Ratnesh kumar

        update:-Finally got the card after after almost one month from date of apply…Design is simple even numbers are not embossed..This is my first card from Axis bank…
        Imp update :- (I) For every transaction you will get message informing how much percent of cashback one Will get..
        (ii) For Flipkart pay later payment from this card ,one will get 1.5% cashback not 5%…(I have checked )it is a major con of this card…

        Rest all details are available on web and This article…

        Reply
  27. AB

    How did i apply ? Well , Next day of this flipkart card announcement , i have contacted the axis bank customer service over the phone and i have been told they are not issuing the card yet . However they have taken my details and told, they will get back to me once they start issuing . i think on 21st of this month some one from axis bank contacted and informed about fees and so on.. And said taking the request on my 6 year old my choice card and card will be delivered with in 14 days. Today i can see flipkart card is showing on my net banking.
    How many cards you can hold with Axis bank ? —> I don’t know the number, But i have been holding two cards (Vistara Infinite, My choice card) Now flipkart card added.

    Reply
  28. mahesh B

    i tried to apply for this credit card from axis bank website but it showed this msg –

    “We regret to inform you that we cannot process your application further since it does not meet our current sourcing guidelines”

    WHAT COULD BE THE REASON ?? can anyone here plz explain? sourcing guidelines?? i am not an axis bank customer.. i am self employed having 3 Lakh itr and HDFC moneyback CC

    Reply
      1. Conscience

        I’ve axis my zone card for many years and it my first card. I’m thinking to upgrade to axis Flipkart card but I’m sceptical if it alter my credit age as it’s the oldest card in my stock. Does it affect my cibil? Is upgrading a card means closing old card account? Please help.

        Reply
        1. Vijay

          Omg! I am holding myzone since 5 years and it was my first and only credit card and I was also eligible for vistara and Privilege cards but chose to upgrade to this after seeing NJ Reddys comment. I haven’t thought of this and I called up CC and they happily took the request. So I am also interested to know.

          Reply
        2. Vijay

          Hi Conscience,
          I found out about this. Your credit history will be retained. It won’t be seen as a new credit card account. The only thing is that the card gets converted to FK Axis CC and this won’t wipe your credit history/age nor your Cibil will be affected in any way. That’s the reason they don’t ask for any documents either, as you already hold an axis Bank CC. And also axis bank doesn’t issue CC based card on card basis. Either they need to hold salary account or need to satisfy ITR requirements for the self employed with a good CIBIL score. It is only for Axis Bank CC holders has the option without the above mentioned criteria.

          Reply
  29. NJ REDDY

    called axis cc an hour back, the rep told me im eligible for all the cards in axis bank including Vistara Infinite Credit Card but i choose to upgrade to flipkart axis card. so all users who currently hold axis cc for a few yrs can upgrade.

    Reply
  30. Surya

    4% cashback on preferred partners like Makemytrip is valid for 1 transaction per month. So this isn’t much of a use.

    Reply
    1. Aryan

      @Hari Did you go for an upgrade or you had applied for a fresh card?

      Reply
      1. Hari

        Swapped my existing card. It’s actually a downgrade from Axis Privilege card.

        Reply
        1. Anshul

          Swapped through customer care call or if there is any option on netbanking?

          Reply
        2. Aryan

          @Hari its LTF for you ? Or its having annual fee@500pa ?
          Thanks in advance for reply!!

          Reply
    2. Amit G

      Hi ! Hari . Are you getting 1.5% cash back on all other spent (POS or Retail) transaction. Or it is only for online transaction. Please tell as you are using.what is the condition to get 1.5%cash back on all other spent? I am confused.

      Reply
  31. Himesh Mishra

    Today finally receive my Card after 15 Days
    I was apply Thought customer care on 23 july after 4 days my card is approved and show in my NetBanking & Mobile app.The limit same equal to my Privilege card 2.05 Lakh.

    Reply
  32. Jayant

    I tried to pay using this card on LIC site but surprisingly Convenience Fee & GST were added, even though this is an Axis Bank Credit card.
    This convenience fee was zero on trying through Neo CC. Only difference is that this card is co-branded with Flipkart. I believed convenience fee should be zero for all axis credit cards irrespective if the CC is co-branded or not.

    Has anyone faced this issue? or Anyone with some other Axis co-branded card faced this issue?

    Apart from SBI Prime SI, any other way to pay LIC with some cashbacks/rewards?

    Reply
    1. Jayant

      Raised complain with Axis Bank, LIC and Billdesk. Finally was able to get convenience fee issue resolved with help of billdesk support.

      CRED is also having issue with this card payment. Verification of the card done by CRED is failing. Looks like, Axis expects IFSC code to be UTIB0000400 for any credit to Flipkart Axis credit card and CRED may be using some other IFSC code which is common across other Axis Credit Cards.

      Reply
      1. Hari

        That’s true. I have raised a complaint with Cred. But, nothing had been done from their end. Unable to add this card as the verification fails.

        Reply
        1. Jayant

          Yes, I am following up with CRED from last 2 weeks and they said issue should be resolved by Aug end.

          Reply
      2. Praveen Katiyar

        @Jayant

        ‘Raised complain with Axis Bank, LIC and Billdesk. Finally was able to get convenience fee issue resolved with help of billdesk support.’

        What resolution u got n from whom? Was the convenience fee + gst reversed or credited to ur paytm account ?

        Thanks in advance for reply.

        Reply
        1. Jayant

          You can now use this card in LIC site (Billsedk payment gateway) to pay LIC premiums without incurring any convenience fee and GST. So amount to be paid will be equal to your premium amount and same will be debited from your Flipkat Axis CC.

          Reply
      3. Jayant

        Issue has been resolved by CRED customer support. Now we will be able to pay Flipkart Axis CC due payment from CRED app successfully.
        cheers 🙂

        Reply
        1. A2Z

          Added Flipkart yesterday in Cred
          Paid dues
          Got credited in few hours
          Got confirmation sms also

          Reply
    2. Alex

      @Jayant Paytm mentions this “Any convenience fee charged for Axis Bank credit card will be refunded to your Paytm wallet within 72 hours”. So is it possible that you got a refund of the convenience fee charged in your Flipkart Axis credit card account after 72 hours considering that you made the payment on LIC website. Can you please check and let me know. I am thinking of getting this card for LIC payments and Flipkart purchases. Thanks.

      Reply
      1. Jayant

        Hi Alex.

        I have raised the issue with LIC, Billdesk, Flipkart and Axis. After following up for last 15 days, the issue has now been resolved. You can now use this card in LIC site, Billsedk payment gateway, to pay LIC premiums without incurring any additional convenience fee and GST.

        With Paytm, they may charge upfront convenience fee + GST and later on if refund doesn’t come in your Paytm Wallet, then you will have to follow up. So best is to use the card directly at LIC site.

        Reply
  33. anbu

    i applied through Axis bank site. No call backs. Anyone got a call back from axis bank site ?
    Also, is there any other card which gives 1.5% or more for general spends?
    i found hsbc cashback gives 1% any others ?

    Reply
    1. ICONIA

      hi anbu,

      [1]. IndusInd Iconia Amex gives 1.5% Cashback on weekdays spends & 2% Cashback on weekend spends(txns at 4 categories gives 0.7% cashback only)

      [2]. HSBC Cashback Credit Card- It gives 1.5% on online transactions.

      Reply
      1. anbu

        Thanks for reply Iconia,
        Looks like indusInd Iconia has 10K joining fees. which is very high for me
        Also for online spends, i found SBI simply click is better. 5x rewards points( total 5 points per 100) which is valued 1.25 per 100 so 1.25% Also spending 1L+1L per year will give you 4k worth of Cleartrip voucher. which translates to 3.25% of travel vouchers. which is better that most of online spend cards i have seen.
        So, to cover my offline spends, i think this card will be better as this is the only one which gives that .5% compared to 1% on other cards.

        Reply
    2. Bhavya

      ICICI Amazon pay card gives 1% back on every other purchase than the listed partners

      Reply
  34. Vijay

    VERY IMPORTANT POINT TO BE NOTED.

    When I opened the axis bank mobile application, it says NFC isn’t supported for the Flipkart Axis Bank Credit Card. I don’t know why did they give the wave symbol on card. Is it just for show off ?

    Reply
    1. Bhavya

      Is the cashback credited as points or is given as a statement credit ?

      Reply
      1. AMIT G

        @Bhavya :I don’t have this card but I hope cash back is adjusted on statement as per website .It is written clearly. Looking good so far.

        Reply
      2. Vijay

        Cashback is a statement credit. And after every successful transaction that is eligible for a CB, you will receive an SMS from axis bank saying that you will receive 1.5%/4/5% based on where the transaction is made. I also tested it by paying it for Gold and I did not receive any cashback nor message.

        And coming to NFC, it works like a charm but in app it shows that this card doesn’t work with NFC.

        Reply
  35. Vamsi

    Anyone Please suggest me which card gives best % of cashback/reward points for LIC payments. I used to spend 2.5L per annum on LIC payments.

    Reply
    1. Raghu

      I know SBI Prime card gives 5% equivalent reward points on standing instructions on such payments.
      AFAIK, Flipkart card would give only 1.5% for all transactions excluding Flipkart/Myntra/Preferred Partners.

      Reply
    2. Alex

      I am also interested in this. LIC payments of 1.5 lakhs per annum. Also is there any other way of getting cashback for LIC payments? Considering the payments are lump sums… Can someone help us out on this?

      Reply
  36. Raghu

    Any clarity if add-on cardholders can avail complimentary lounge access with this card (along with primary cardholder or even otherwise)?

    Reply
  37. Saumendra

    Hi All,
    I have received Flipkart voucher of 500 from AXIS BANK for this card via SMS but instead of voucher number and PIN this SMS has a link like fkrt.it/abcd and they are asing click on this link voucher will be auto added but nothing happening and AXIS BANK customer care has no clue. I think it should have a voucher ID and PIN. If anyone of you got voucher for Axis Bank Flipkart Card please let me know how to proceed.

    Regards
    Saumendra

    Reply
    1. Ankit Jain

      Hi Sumedra,
      There is DOT. attached to link. Remove and use. Also, you should be login in flipkart account on the browser it goes. It worked fine this with me.

      Thanks
      Ankit

      Reply
    2. Jayant

      Hi
      On your mobile, keep logged into your Flipkart app.
      Clicking the SMS link, it will launch Flipkart App and the voucher will be added to the logged in Flipkart user.
      You can check the Voucher in My Account > My Wallet and Cards > Gift Cards.
      Expiry of voucher is 1 year from the date it has been added to the Flipkart.

      Reply
    3. Sujit Kumar Hota

      @saumendra
      Install flipkart app and login. Then click the link they sent. Your flipkart account will be credited with 500 rs

      Reply
  38. AB

    There is a big catch on 1.5 percent cash back. I have received my first statement, They are rounding off the cash back to nearest floor. for example on 235 Rs transaction you get only 3 rupees cash back and on 117 Rs transaction they are giving only 1 rupee. For below hundred you don’t get cash back at all.

    Reply
      1. A2Z

        Axis bank does follow integer system same as SBI or HDFC for their other cards so there won’t be any doubt that they do that here too despite mentioning product feature as 1.5% flat cashback.

        Reply
  39. Kishore

    Can Existing Axis Credit card holders apply for this card..?

    Will it be a fresh application..?

    Reply
    1. Vijay

      You can upgrade. No fresh application is required. You can also retain your existing CC if you want. Just call customer care to process the card. They won’t ask you for any further documents.

      Reply
    2. A2Z

      They didn’t ask any documents.
      Processed application over phone me being existing customer.

      Reply
  40. Saumendra

    @Jayant
    Tried all these , looks like link sent to me has some issue and raised service request with Axis support. Its not adding any voucher to my Flipkart account. Also tried changing mobile number in flipkart account to same one which is updated in Axisbank but no help. Link only opens Flipkart page ( Already logged in with another tab) no voucher added.

    Reply
  41. Satish Kumar Agarwal

    Received this card on Sunday. Card looks good but it took quite long since I applied.

    Reply
    1. Raghu

      Axis bank is very poor in processing applications. I have applied via their website on 8th August, documents are collected on 20th August, and till date, 20 days later, there is no update from them whatsoever (even their call center has no idea). Just Pathetic and Sad. I hold 3 credit cards already with 800+ CIBIL score.
      Axis Flipkart is so opposite to ICICI AP!

      Reply
  42. SAMEERTEZ

    Just got both sms & email regarding automatic upgrade of my existing Axis bank Buzz card to Flipkart Axis credit card and physical card will be sent to my bank registered address within 30days from the date of email. Existing card will be still working up to 45 days after activation of new card and then, it would be phased out after 45 days.

    Reply
  43. Mish

    Can anyone please share the feedback of the card after use ? are you guys are able receive cashback on as many transactions or there is limit ?

    Reply
    1. Ratnesh kumar

      @mish
      No limit on cashback…
      After each transaction you will receive message informing percentage of cashback you are going to get..
      and for Flipkart pay later payment you will get 1.5% instead of 5%.Only direct purchase and payment through this card on Flipkart will entitle you to get 5% cashback…

      Reply
  44. Habeeb

    Finally I have received the credit card.
    The application and approval process was very long and frustrating.
    I have applied July last week via Axis bank website, got a call same day from Axis bank customer care. The told me that I am eligible for the card and a local agent will visit my office address to collect the documents. After two days a local agent called me and told me that an Axis bank account is necessary for application to process as of now. Since I didn’t have an account, she requested to contact her after opening a bank account.
    So I opened a savings account , put 3L+ balance in it and called the agent. She didn’t bother to pickup the call or answer to my messages. Then I have filed a complaint with their customer care and they called me on 10th August and booked an appointment for 12 noon 14th August. That day I got a call from their Ernakulam head office asking my salary proof through whatsapp and she told me that she will arrange a local agent from Calicut. But nobody called or showed up. I have contacted customer care once again and an agent visited my office on 24th August with a tablet and took copies of Aadhar card and PAN card, since my salary is credited in ICICI account he took bank statement for 3 months too.
    On 27th August they completed tele verification and next day I got an SMS saying “Congratulations welcome to Axis bank credit cards Your Application for Axis bank credit card is approved. The Card details will follow shortly.” But no card details or no credit limit info provided. The application tracking through their website was returning with a blank entry. on 3rd September I got an SMS saying “Your Credit card has been approved and credit card will reach you shortly”. The same day the card details appeared on Axis mobile App. The credit limit was 50K (1/3 of my current SBI, HDFC Credit cards). Very disappointed. I have applied with a take home salary of 40K. Finally I have received the physical card yesterday (9th Sept).
    I have done a Flipkart Pay Later payment of 5164 immediately and got message saying “You are eligible for 1.5% cash back on your last transaction with flipkart.” So No 5% cash back for Flipkart Pay Later Payments guys. Highly disappointed. I have gone through this frustrating application experience only because I shop heavily (3-4L per year) on flipkart. Never experienced this kind of service from my previous credit cards ICICI,SBI,HDFC. I think the local agents does’t care much about this credit card. At least for Calicut, Kerala. Love to hear other card expert member’s experience.

    Reply
  45. Mohammed Shoyaib

    The 4 percent cashback at the preferred merchants have restrictions that there should not be used of any PROMO CODES at the merchant website which many times makes this 4 percent very less than the discount due to PROMO CODES.

    The above information is based on statements given in Terms and Conditions.

    Someone who have actually used the card at Preferred Merchant with PROMO CODES/ without PROMO CODES please confirm.

    Reply
  46. Manjunath

    Any one having problem with Axis Mobile app? Manage Usage option in the credit card’s Total Control section is not working. Earlier i’ve disabled Online transaction using Manage Usage option as security measure. In general with other credit cards, i usually enable Online transaction only when i’m about to do some online payment and after completing online payment, i again disable the online transaction rights for that credit card. I wanted to follow the same process for axis card as well, so went ahead and disabled the online transactions. Now from past two days i’m trying to enable online rights as i wanted to buy some things from flipkart. But Manage Usage option was not at all working and axis support is useless. They keep on holding for 20 mins and disconnects the call.

    Can anyone check in your axis mobile app, whether Manage usage option is working?

    Reply

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