Cooling Period for All Bank Credit Cards (Pre Approved Offers Excluded)

[mohitkamboj007]

Is cooling period for Kiwi credit card same as YES Bank's or different ?

Yes Bank takes the approval decision. Kiwi is just an app. So the bank should be keeping their t&c's same for kiwi as well.

 

[Master Chief 117]

Yes Bank takes the approval decision. Kiwi is just an app. So the bank should be keeping their t&c's same for kiwi as well.

OK, So how do i apply for Kiwi card again, its been over 3 months since last rejection

 

[Anil_SinghAnil_Singh is verified member.]

OK, So how do i apply for Kiwi card again, its been over 3 months since last rejection

App is the only way as of now.

 

[Boy 07]

App is the only way as of now.

Also you can try with other mobile no if there is option to apply leter you can change to main no

 

[imrahul]

My Yes kiwi application was rejected in july 2024 because i already had yes virtual credit card, now i have closed yes virtual card on 3rd january 2025, after how many days can i apply for yes kiwi card and from where?

 

[InfamousInfamous is verified member.]

Axis has recently been following 3 months policy.

 

[PANK]

I applied for sbi simple click 3 month back
Card was approved
Can I apply for phonepe credit card now

 

[MrReddy]

What is the exact time for Scapia as the article in general says 3-6 months for any fintech

 

[s73uresh]

OK, So how do i apply for Kiwi card again, its been over 3 months since last rejection

use the kiwi contact option and write a email to enable for applying now since it was rejected earlier and it is been more than 3months. I got my previous application removed but Yes bank one card policy again rejected the new application

 

[Sahil_07]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	6 Months
IDFC First Bank	6 Months 3 months AFTER cibil updated with closing date. (#43)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms
PNB	No cooldown if rejected online Apply Offline

Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also.

Update as on 21-10-2024: IDFC Bank old trick of changing mobile number and applying is patched.

Update as on 26-11-2024: IndusInd Credit Card cooling period has been changed to 6 months as per the user reported.

Edit 06-02-2025: Minor cleanup. RBL and IndusInd are verified. Added PNB. Updated IDFC.

what about sbi if 1st card got approved?