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

[Nandha]

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 #1

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.

Edit #2

Got the card reactivated on 11-July-2025, After sending over 30 mails to MD desk, PNO and NO.

Will put the step by step guide in a seperate post or in this same one if space permits.


Thank you all.

 

[RAMESH BABU N]

... Axis is very aggressive in tracking misuse. Only if we are ready to face the heat, go with them.

Summed up Aptly.

No problem with them if you don't misuse it or use it excessively.

 

[cardio_guycardio_guy is verified member.]

Summed up Aptly.

No problem with them if you don't misuse it or use it excessively.

Agree, sir. But what is misuse and what is excessive is defined by Axis.
For example in this case, it was genuine but he had to fight for months together till RBI and PNO to unblock his card.
There will always be a fear in the back of the mind about blocking.

 

[Nandha]

Good to know that the issue is solved. But this also gives a big lesson to those who are planning to take Axis bank cards. There is always a risk of card blockage, holding up of points and ask for invoices. It is not a good situation to be in. Axis is very aggressive in tracking misuse. Only if we are ready to face the heat, go with them.

After the recent devaluations on Flipkart axis cards it's not worth much anyway. I fought because I didn't want to loose the already earned cashback and it's a lifetime free card. Also for the limit. Nothing else.