Axis Secured - Path to Unsecured? Timeline & Closure Queries

[joell]

Hey folks,

Looking for some insights regarding Axis Bank credit cards.

I got an Axis Bank MyZone secured credit card about 2 months ago. My main motivation was a specific Axis offer running at the time, but unfortunately, the offer expired before the card actually reached me.

Here's my situation:

• Card: Axis MyZone Secured (2 months old)
• Security: Against a ₹20,000 Fixed Deposit.
• Limit: ₹16,000 (80% of FD).
• Spending: Very low, only about ₹3,000 total over the last 2 months. (Spent 1.6L on other cards). I don't have a significant need for this specific card beyond catching occasional Axis offers.
• Banking Relationship: I also have an Axis Liberty Savings Account, maintaining around ₹32K MAB. I got this account for pre-approved offers, but got a secured card before any. Not many txns nowadays.
• Previous Attempt: I had applied for the Axis Ace card about 7 months ago (before getting the secured card) but was rejected instantly.

I've read on this sub and elsewhere that having a secured card or a good banking relationship with Axis can eventually lead to pre-approved offers or eligibility for their unsecured cards.

My questions are:

1. Timeline for Unsecured/Pre-Approved Offers: Is there a general timeline or pattern observed by others here? How long does Axis usually take (e.g., 6 months, a year of good usage/relationship) before considering secured cardholders or savings account holders for unsecured cards (like Ace, Flipkart, Select etc.)? Does my Liberty account MAB help significantly here?
2. Closing Secured Card: If I do get approved for an unsecured Axis credit card in the future, would I have to close this MyZone secured card? Or can I keep both simultaneously (maybe keep the secured one LTF if possible, just for the credit history)?

Appreciate any insights, experiences, or advice the community can share! Thanks in advance.
I'm a student. But I'm self-employed on my CIBIL.

 

[joell]

I will close it after few days, few days left for completing the 3 months period.

No you can keep the FD card or close it, there is no link with the FD card for unsecured cards

Hey man any updates?

 

[sovon]

Hey man any updates?

Yes I closed the FD card after completing 3 months.
I asked them for unsecured card over call but they said it's not possible to get upgraded offer on FD card.
Still I'm continuing the FD, after closing the card it took nearly 48 hours to remove the lien tag from my fd. Now I can close my FD any time.
No pre-approved offers till now.
But the error issue in the apply page gone now.