Need Advice on Axis Bank Credit Card Application Issue

[rsongs]

Hi everyone, I’m seeking your help on a credit card issue I’m facing with Axis Bank.

I opened an Axis Bank savings account in September 2024 and applied for the Axis Ace credit card on 10th November 2024. Unfortunately, my application was declined, and despite multiple follow-ups, I never received a clear reason. I suspect it might be due to lack of income proof(i don’t have one), though I’m not entirely sure.Since they never asked for it.

Since then, it’s been over 6 months, and yet my Axis mobile app and internet banking still show the old application in the “Apply Now” section. I have not received any pre-approved credit card offers from Axis, even though I have pre-approved offers for auto loans, personal loans, and two-wheeler loans.
Some background:
I usually maintain an average balance of ₹1 lakh in my Axis account. I transact around ₹2–3 lakh per month.I already have HDFC and SBI credit cards and maintain them
well.
I’ve checked the Flipkart Axis Bank Credit Card and it shows “Apply Now” but only on my secondary numbering flipkart app, which is not linked to my Axis Bank account.
I also contacted axis customer care and they are saying you can apply after 12 months from date of rejection online and for offline no cooldown period.

My questions:
Should I apply for the Flipkart Axis card using my secondary number even though it’s not linked to my Axis account?
Or should i apply from axis bank website?I can apply from that but i think approval chance is less from there as i saw.

Is there any way to remove or reset the old credit card application from the app?
@TechnoFino

 

[bing1309]

NO dont apply for a CC, Now first thing to do is ensure you credit money every month 1st and then either dont spend or spend 20% of 1st month credit. do this for 6 months, then go ask bank people for checking a credit card under QP offer if yes then apply on that offer you will get CC or else you wont get a CC without income proof.

 

[praful47]

Axis bank ka koi cooling period nii hota .
Apply flipkart or airtel , income proof not necessary.
If you can wait then try your luck before diwali approval chances are high .

 

[SSquad]

Ask them to clear the application from their systems, meanwhile keep transacting on the account.

Even I did not get any pre-approved credit card offers from Axis, only home & vehicle loans.

After 15 months of account opening I applied Flipkart Axis card directly from the website (not net banking) with Customer ID / PAN info and it's instantly approved. Since then I'm getting pre-approved card offers every 3 months.

 

[rsongs]

NO dont apply for a CC, Now first thing to do is ensure you credit money every month 1st and then either dont spend or spend 20% of 1st month credit. do this for 6 months, then go ask bank people for checking a credit card under QP offer if yes then apply on that offer you will get CC or else you wont get a CC without income proof.

Okay got it

 

[rsongs]

Axis bank ka koi cooling period nii hota .
Apply flipkart or airtel , income proof not necessary.
If you can wait then try your luck before diwali approval chances are high .

Yeah i can wait i already have sbi cb card so its not like really that i need it right now,i just want to add an axis bank card in my cards.

 

[rsongs]

Ask them to clear the application from their systems, meanwhile keep transacting on the account.

Even I did not get any pre-approved credit card offers from Axis, only home & vehicle loans.

After 15 months of account opening I applied Flipkart Axis card directly from the website (not net banking) with Customer ID / PAN info and it's instantly approved. Since then I'm getting pre-approved card offers every 3 months.

From where can i ask to clear application from their systems?I tried calling customer care and do the same but they are not able to track application they said there is not any application with my application number in their systems.Maybe because its post 6 month of my application.I only want pre approved because it will give good limits thats why..