🆘 Need Guidance: Flipkart Axis Credit Card Cancelled Due to “Non-Personal Usage” — What’s My Next Step?

[Gownandha]

Hi TF community,

Today (18th June 2025), I received an unexpected and disappointing email from Axis Bank saying that my Flipkart Axis Credit Card (XX2915) has been cancelled due to suspected non-personal or commercial usage, with all cashback revoked and existing EMIs foreclosed.

They’ve cited transactions between 01-Feb-2025 and 30-Apr-2025, mostly from Flipkart.

Context:

* I spent around ₹5 lakhs during this period
* Nearly 90% of orders were delivered to just 3 addresses (mine and my brothers’)
* All purchases were for personal/family use – gadgets, gifts, household items, etc. No reselling or business usage
* Axis has now asked me to upload invoices or proof within 30 days

One more thing:
I had raised an ombudsman complaint earlier in April regarding a separate unresolved issue with Axis. That complaint is still open, and I have been waiting for resolution for over a year. I’m beginning to think this action might also be related to that escalation, though I can’t be sure.

Need expert guidance:

1. How should I proceed with Axis on this? Should I respond or escalate?
2. Has anyone else faced this kind of closure?
3. Should I contact the nodal officer or RBI CMS?
4. Will this impact my credit score or future card eligibility with Axis?

Appreciate any help or experience shared. Thanks in advance.

– Nandha Kumar

 

[sathish]

I am using only 1.8L
Your Axis Bank Credit Card no. XX3307 has been cancelled & cashback earned has been revoked due to non-personal use. Kindly pay any outstanding by the due date. For more details, call 18001035577. Please refer to the TnC at https://ccm.axbk.in/AXISBK/UapGqIQz

Edit
Next day I applied Airtel cc and it's approved

 

[Aniket Sharma]

This is not related to your complaint with RBI, i know of atleast 20 individuals whose cards got cancelled yesterday...

Thanks to my decision of getting away from axis with all relationship with them. 🤣😂

 

[rah5203]

Hi TF community,

Today (18th June 2025), I received an unexpected and disappointing email from Axis Bank saying that my Flipkart Axis Credit Card (XX2915) has been cancelled due to suspected non-personal or commercial usage, with all cashback revoked and existing EMIs foreclosed.

They’ve cited transactions between 01-Feb-2025 and 30-Apr-2025, mostly from Flipkart.

Context:

* I spent around ₹5 lakhs during this period
* Nearly 90% of orders were delivered to just 3 addresses (mine and my brothers’)
* All purchases were for personal/family use – gadgets, gifts, household items, etc. No reselling or business usage
* Axis has now asked me to upload invoices or proof within 30 days

One more thing:
I had raised an ombudsman complaint earlier in April regarding a separate unresolved issue with Axis. That complaint is still open, and I have been waiting for resolution for over a year. I’m beginning to think this action might also be related to that escalation, though I can’t be sure.

Need expert guidance:

1. How should I proceed with Axis on this? Should I respond or escalate?
2. Has anyone else faced this kind of closure?
3. Should I contact the nodal officer or RBI CMS?
4. Will this impact my credit score or future card eligibility with Axis?

Appreciate any help or experience shared. Thanks in advance.

– Nandha Kumar

Actually this same incident happened with me after the BBD sale completion around in October i got an email asking for invoices of the orders amount 220k..
I tried to upload the invoices but there was some technical issue on their website....
After some time I got an message I have received cashback on that card so to claim the cashback I called the customer care and the executive said that this card is closed but we have a offer for you for the card so i got the card again...
And my CIBIL was also not hurt...
So be worry free and ask customer care to issue card again....

 

[Gownandha]

Actually this same incident happened with me after the BBD sale completion around in October i got an email asking for invoices of the orders amount 220k..
I tried to upload the invoices but there was some technical issue on their website....
After some time I got an message I have received cashback on that card so to claim the cashback I called the customer care and the executive said that this card is closed but we have a offer for you for the card so i got the card again...
And my CIBIL was also not hurt...
So be worry free and ask customer care to issue card again....

I have it as a LTF card. So it's gonna be tough.