Axis Ace CC Approval Criteria

[Credit Karma]

Please share your experience with Axis Ace CC approval.

1.What is the Minimum ITR?
2.Is serviceable area a thing for this CC?
(I Have home address and current address distance upto 440 KM)
3. Minimum how many months of salary slip is required?
4. Do they give preference to first time CC applicant who has only one secured CC (One Card by SBM) in his Credit report?
5. Should one apply through online portal or in person from a bank for fast approval?
6. How you got approved for your Axis Ace CC?

Any other useful detail..

 

[lhgeek]

I wonder why 5% cashback on online spend is sustainable for SBI but not offline spend.

I am pretty sure they will start restrictions and maybe also slowly devalue. 5% online is not sustainable in my opinion.

 

[jack333]

I got ace card instant approved today through axis mobile app. Got a good credit limit. That too without any cibil enquiry. Had two other axis cards before along with saving account

 

[Slayer]

As i said - only pre-approved offers via netbanking can only land you ACE but to be fair can't see the utility of Ace when holding Vistara Infinite (for offline spends)

 

[jack333]

Annual fee for ace is less. For utility bills unlimited 5% without any surcharge

 

[Slayer]

Annual fee for ace is less. For utility bills unlimited 5% without any surcharge

SBI cashback + amazon voucher gets me 5% on all the bills i need to pay (or Amazon lets you)

Rest I can move to Vistara Infinite (3% vs 5%)

And annual fees? One economy ticket from BOM-CCU is atleast 7k (if you are very lucky) nowadays and during somewhat peak time it goes above 12k and here i'm flying biz for 11.8k

That too Indigo and Spicejet Economy 🤣 🤣

 

[jack333]

Sbi gyftr is blocking cashback card for voucher purchase. You can load through uber and earn without paying any bills. Then why you want to pay bills by sbi cashback card. Those who don't fly frequently, for them ace + cashback card is best to get 5% on almost every thing

 

[bugmenot]

Sbi gyftr is blocking cashback card for voucher purchase. You can load through uber and earn without paying any bills. Then why you want to pay bills by sbi cashback card. Those who don't fly frequently, for them ace + cashback card is best to get 5% on almost every thing

which SBI GyFTR portal are you using? https://www.gyftr.com/sbiyono should work. https://www.gyftr.com/sbicard is closed from 11th Oct 2022.

 

[Slayer]

which SBI GyFTR portal are you using? https://www.gyftr.com/sbiyono should work. https://www.gyftr.com/sbicard is closed from 11th Oct 2022.

I used gyftr.com/sbicard for purchase of amazon gv worth 30k even though they had limit of 10k 🤣 🤣

So i got a reward rate of 8% for 30k worth of spends

 

[Slayer]

Sbi gyftr is blocking cashback card for voucher purchase. You can load through uber and earn without paying any bills. Then why you want to pay bills by sbi cashback card. Those who don't fly frequently, for them ace + cashback card is best to get 5% on almost every thing

Have an iPhone, don't want to invest too much breen powar to make amazon upi work on iOS, Uber has a cap of 4k per card or something

 

[jack333]

Uber has no cap. Bank transfer cap from Amazon is 30k

 

[jack333]

N

which SBI GyFTR portal are you using? https://www.gyftr.com/sbiyono should work. https://www.gyftr.com/sbicard is closed from 11th Oct 2022.

Now its 5+1.5% but hey are repetitively blocking the cashback card