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

Nandha

TF Select
VIP Lounge
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


Edit


I have sent 53 invoices and 1 pdf containing all invoices list from last 3 months to them on 25th jun 2025. It took me 4 hrs to compile. Around 8k cashback is on hold with them. Let's hope for the best.
 

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Last edited:
Guys need one urgent help. Do anyone of you have email id of RBI ombudsman,
Big harrasment is going on with axis Bank where there are twisting facts. I have documents of everything and some spare time. I will put it in the next post, once this is over.

Just want to escalate this and do the right thing. Even if it fails, I am okay with that.


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crpc@rbi.org.in . .
 
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