Axis Flipkart Annual Charges Again?! Time to Close This Card?

[xfactcc]

Axis Bank Flipkart Credit Card – Annual Charge Concerns

• I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card.
• I’ve kept the Flipkart card mostly because it was my first credit card, but honestly…
• With the recent devaluation, and because I already have SBI Cashback, HDFC Swiggy, etc., I’m not sure it’s worth keeping anymore.
• Since the annual fee has already been charged this year, is there any room for negotiation?
  
  • Can I request to make it Lifetime Free (LTF)?
  • Or have the charges reversed / compensated via Edge Reward points?
  • Or maybe switch to a better card without a fee?
• I’ve heard Axis is usually rigid with these things, but thought I’d ask.
• If they aren’t willing to accommodate, should I just close it now to avoid unnecessary fees?
• I use the card maybe twice a year, mainly for the ₹120 Swiggy discount, which hardly justifies the yearly cost anymore.
• My current Axis CC portfolio: Flipkart, Myzone -paid; Neo -LTF

Any advice or recent experiences on what’s worked in situations like this would be appreciated!

 

[Anindya98]

Axis Bank Flipkart Credit Card – Annual Charge Concerns

• I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card.
• I’ve kept the Flipkart card mostly because it was my first credit card, but honestly…
• With the recent devaluation, and because I already have SBI Cashback, HDFC Swiggy, etc., I’m not sure it’s worth keeping anymore.
• Since the annual fee has already been charged this year, is there any room for negotiation?

Yes

• • Can I request to make it Lifetime Free (LTF)?

You can try

• • Or have the charges reversed / compensated via Edge Reward points?

They will reverse for sure

• • Or maybe switch to a better card without a fee?

depends on your spending

• I’ve heard Axis is usually rigid with these things, but thought I’d ask.

You can always request someone whether they will give or not it's up to them

• If they aren’t willing to accommodate, should I just close it now to avoid unnecessary fees?

yes

• I use the card maybe twice a year, mainly for the ₹120 Swiggy discount, which hardly justifies the yearly cost anymore.

Closing is the ultimate goal for everyone

• My current Axis CC portfolio: Flipkart, Myzone -paid; Neo -LTF

Any advice or recent experiences on what’s worked in situations like this would be appreciated!

Convert MyZone to LTF first