Any cooling period for Axis second card application?

[Uday1]

i have myzone card. i got in November. when can i apply second credit card of axis ?

one month later?

 

[bvc19296]

@Venky Different limits with limits merged right? Cumulative limit??

 

[Venky]

@Venky Different limits with limits merged right? Cumulative limit??

No, different limits that are not connected.

 

[bvc19296]

No, different limits that are not connected.

How come?? Because myself and my brother have 3 cards each with different limits but the cumulative limit is the maximum limit of the 3 cards.

 

[Venky]

How come?? Because myself and my brother have 3 cards each with different limits but the cumulative limit is the maximum limit of the 3 cards.

Even I am not sure why. I’ve used both my cards simultaneously upto 60-70% in the same month separately. I also mailed them to give me a accumulated limit but they declined.

 

[bvc19296]

Even I am not sure why. I’ve used both my cards simultaneously upto 60-70% in the same month separately. I also mailed them to give me a accumulated limit but they declined.

Once you login to the Axis Bank app and get redirected to credit card page, you will find the available aggregate limit. That's the cumulative limit.

 

[Iamgora]

How come?? Because myself and my brother have 3 cards each with different limits but the cumulative limit is the maximum limit of the 3 cards.

same for me also

 

[Avatar Aang]

I have Axis magnus which was approved in April end. After 1 month I applied for Axis Indian oil card but they have rejected the application stating internal policies reason. Is it because I closed my 3 year old flipkart axis card?? What should I do to get axis indian oil card as LTF?

 

[4uziaul]

I have Axis magnus which was approved in April end. After 1 month I applied for Axis Indian oil card but they have rejected the application stating internal policies reason. Is it because I closed my 3 year old flipkart axis card?? What should I do to get axis indian oil card as LTF?

If you are applying online, it's always better to wait for 3 months before applying again, unless it's a pre-approved offer or an upgrade.

 

[Arun Pratheep]

I have Axis magnus which was approved in April end. After 1 month I applied for Axis Indian oil card but they have rejected the application stating internal policies reason. Is it because I closed my 3 year old flipkart axis card?? What should I do to get axis indian oil card as LTF?

It was Rejected because of 3 months cool of for online application. You can go for offline C2C if it is available for Indian oil card else wait for 3 months

 

[CyberPsych]

It was Rejected because of 3 months cool of for online application. You can go for offline C2C if it is available for Indian oil card else wait for 3 months

Can we apply Ace, Airtel cards through C2C?
I have FK axis only (approved on May 30) and no bank accounts with Axis bank.

 

[4uziaul]

Can we apply Ace, Airtel cards through C2C?
I have FK axis only (approved on May 30) and no bank accounts with Axis bank.

Ace is still possible, but I don't think Airtel is.

 

[CyberPsych]

Ace is still possible, but I don't think Airtel is.

I haven't used Google Pay much in last 2 years, will they approve if I go through C2C?

 

[Arun Pratheep]

Can we apply Ace, Airtel cards through C2C?
I have FK axis only (approved on May 30) and no bank accounts with Axis bank.

I think these two cards are available online only through the respective apps.

You can read this thread
Thread 'How to apply for Axis ACE card in offline mode' https://www.technofino.in/community/threads/how-to-apply-for-axis-ace-card-in-offline-mode.4893/

 

[4uziaul]

I haven't used Google Pay much in last 2 years, will they approve if I go through C2C?

I mean, it's Axis 🤣. They will easily approve Magnus, but for a lower entry card, they can easily deny it. However, you should still try C2C since the probability of approval is higher. Also, check out this thread here:

Post in thread 'Axis Bank ACE credit card (how to get)' https://www.technofino.in/community/threads/axis-bank-ace-credit-card-how-to-get.6926/post-255406

 

[4uziaul]

@CyberPsych, if your main focus is utility payments, in my opinion, there are better options available in the market than the Ace card. You might want to consider cards like HDFC Millenia, SBI CB, or AU LIT. These cards allow you to purchase Amazon gift vouchers, which can then be used to pay your bills conveniently. Moreover, if you frequently shop on Tata apps or websites, Tata Neu Infinity could also be a decent option worth considering.

 

[CyberPsych]

@CyberPsych, if your main focus is utility payments, in my opinion, there are better options available in the market than the Ace card. You might want to consider cards like HDFC Millenia, SBI CB, or AU LIT. These cards allow you to purchase Amazon gift vouchers, which can then be used to pay your bills conveniently. Moreover, if you frequently shop on Tata apps or websites, Tata Neu Infinity could also be a decent option worth considering.

The only thing that attracts me to get Ace is for the 2% on other spends as I will apply Airtel Axis for utility payments. I am rethinking this, as I already have FK Axis (paid) with 1.5% for other spends. If I get Ace, my Flipkart card will go less used as I have HDFC Millenia LTF for the 5% on online purchase and my Flipkart purchases is very less compared to Amazon. LIT is ready for me as LTF in Cashkaro, though I don't see any benefits for me with it.

Overall, my offline purchase is higher than online purchases in an year so I am thinking whether to get Ace for 2% or stay with FK Axis at 1.5%. Is the 0.5% worth it? I need to calculate.

EDIT: For example, if I spend 1L offline only with FK Axis, I save ₹1500 yearly. If I do it with Ace, I get ₹2000. No profit, I have to pay extra 90 for the Ace card as both will be paid cards for me. So, I guess I will have FK and Airtel axis CC for now and keep the 3rd Axis CC slot free for future. Thanks