🆘 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 XX3307 has been cancelled & cashback earned has been revoked due to non-personal use.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.

 

[ihasayyedtalib]

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

Nothing can be done here. They blocked mine too. Had multiple level calls, email follow up. No resolution. The customer care is useless. They say backend team blocked.

You can try uploading documents but in my case nothing worked. Its just high number of transactions/ volume they flag and block.

 

[Lobogris]

My salary is that. I have huge incomes from inheritance such as agricultural and rental incomes. As well as my investments are performing good. Got investments in sub 8 digits

If your income is over 80 lakhs per year, then it’s really silly that you would try to get some needless small cashback by going through the hassle of purchasing things for others. A few thousand Rupees per month should not be worth the time and hassle. Never, ever use your card for anyone else including family members and friends just for cashback.

 

[saihari7218]

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

I faced a similar situation and i have sent them all the invoices and clearly explained about each purchase after 3 months they provided me a new flipkart axis card

 

[EnthuCC]

Some of my friends got Gold coins for personal purposes and their cards got cancelled.

That doesn't seem right. A person can purchase whatever they want to with their credit card. People like to stack gold coins too. I know a person who'd buy 2gm of gold every month after salary arrives.