Need to choose between 14 Axis Credit cards

[ank_sh1]

Hello all,
I hold an Axis Kwik (Kiwi App) credit card with a limit of 3L. I have been using this card for the last 7-8 months. Today I got a call from Axis Bank which said there are a few preapproved add-on cards offered and the limit will be shared. I was thinking of applying for a physical axis card and today got this offer. Now I am confused between 14 cards that is being shown as an option. I don't want premium cards like Magnus, but a decent one which has good benefits on online spending(movies, grocery and amazon/flipkart), travel and fuel (I know a lot to ask in a card).
Can someone please help me select a good card? Select seems to be a decent one but is quite expensive ~3k. I use BB and a few other apps frequently so will be able to cover the fees easily. But still, it has a fee.

I have attached offered credit SS for reference.

 

[manish16]

Oh thought applying through the Apply CC option in app would be new card and not tied as an upgrade to an existing card

No, pre-approved offers are not showing on Open app, it's only through Customer care with an upgrade to an existing card. No 4th card can be issued to a credit card customer, without having a savings account with them (as confirmed by CC).

 

[manish16]

U can take 3 card online
4th offline

You better call & try to grab Samsung I .
Before its too late.
Good 🤞 luck

Not sure about offline method...

 

[Random123]

U can take 3 card online
4th offline

You better call & try to grab Samsung I .
Before its too late.
Good 🤞 luck

Thanks but already have 3 cards so have to try offline for this.

 

[Random123]

No, pre-approved offers are not showing on Open app, it's only through Customer care with an upgrade to an existing card. No 4th card can be issued to a credit card customer, without having a savings account with them (as confirmed by CC).

Oh ok thanks for the reply, they are denying 4th cc in call even with savings account

 

[Vasuki]

Oh ok thanks for the reply, they are denying 4th cc in call even with savings account

I guess i have told both of you ...
What u r trying won't happen.

Getting 4th card is only subject to offline agent which has knowledge.

Else u can always play with 3 cards

 

[manish16]

1) close FK
2) get SI
3) Close SI after 45 days
4) You will see Privilege card in about 2 to 3 days after closing SI..
Redeem whatever RP using multi brand voucher

You won’t lose 30k points after closing SI

These morons told me that FK can't be upgraded to SI, only IndianOil can be upgraded. But, I use that IndianOil card for 4% effective reward rate on fuel spends and it's LTF. They're telling me FK card is not eligible for upgrade to any higher variant.

Another agent told me that only Privilege is showing pre-approved against IndianOil. Stupid fellow.

Now, what to do?

Are bhai bhai 😅

Call Customer care and say u can see Samsung infinte on your pre approved list .
You would like to
Close your Flipkart and Get Samsung infinte instead.

Do it
Previlgae can be taken without pre approved

Not giving SI for my FK card.

 

[SSV]

These morons told me that FK can't be upgraded to SI, only IndianOil can be upgraded. But, I use that IndianOil card for 4% effective reward rate on fuel spends and it's LTF. They're telling me FK card is not eligible for upgrade to any higher variant.

Another agent told me that only Privilege is showing pre-approved against IndianOil. Stupid fellow.

Now, what to do?

Not giving SI for my FK card.

Follow the steps mentioned in my earlier post

 

[Vasuki]

These morons told me that FK can't be upgraded to SI, only IndianOil can be upgraded. But, I use that IndianOil card for 4% effective reward rate on fuel spends and it's LTF. They're telling me FK card is not eligible for upgrade to any higher variant.

Another agent told me that only Privilege is showing pre-approved against IndianOil. Stupid fellow.

Now, what to do?

Not giving SI for my FK card.

Get samsung infinte however u r getting.
U will get iocl afterwards

 

[manish16]

Follow the steps mentioned in my earlier post

Okay, are you suggesting to close FK card, instead of upgrading it and then apply for SI separately over call to CC or through Open app?

 

[Vasuki]

These morons told me that FK can't be upgraded to SI, only IndianOil can be upgraded. But, I use that IndianOil card for 4% effective reward rate on fuel spends and it's LTF. They're telling me FK card is not eligible for upgrade to any higher variant.

Another agent told me that only Privilege is showing pre-approved against IndianOil. Stupid fellow.

Now, what to do?

Not giving SI for my FK card.

Close fk anyways.
Then say give card upgrade on iocl i.e samsung infinte.

Since u have 2 card .
Si will be third 🙂

U should have calculated this on call itself

 

[manish16]

Close fk anyways.
Then say give card upgrade on iocl i.e samsung infinte.

Since u have 2 card .
Si will be third 🙂

U should have calculated this on call itself

Finally done...

After series of 4-5 persuading calls to CC, finally one agent agreed and connected me to senior desk for FK closure (Already having FK in family though) and simultaneously applied for Samsung Infinite...gave consent on SMS while on call and card approved within a minute ☺️. But, he told me something weird that RP credited for SI will be available for redemption @0.20 reward rate, even if, you get Privilege later on. Privilege reward rate will be @0.40 for its 12500 RP only and other RP from other cards will be @0.20.

Is it possible?

Have they started tracking such RP redemption from different cards at different rates?

Btw, thank you @DocFixIt @S S V and all members here.

 

[SSV]

But, he told me something weird that RP credited for SI will be available for redemption @0.20 reward rate, even if, you get Privilege later on. Privilege reward rate will be @0.40 for its 12500 RP only and other RP from other cards will be @0.20.

Its wrong.. You should not ask these kind of questions to them..
you can redeem SI rewards @0.40 if you hold Privilege card . Don't worry

 

[manish16]

Its wrong.. You should not ask these kind of questions to them..
you can redeem SI rewards @0.40 if you holed Privilege card . Don't worry

No no, I simply asked features of both cards and during comparison I asked about reward rate. Perhaps, he was not sure about reward rates during redemption. Anyways, will refrain from asking any such questions. I hope my SI RP will persist even after closing it, as confirmed by you also.

 

[SSV]

No no, I simply asked features of both cards and during comparison I asked about reward rate. Perhaps, he was not sure about reward rates during redemption. Anyways, will refrain from asking any such questions. I hope my SI RP will persist even after closing it, as confirmed by you also.

they will ... don't worry

 

[Vasuki]

Finally done...

After series of 4-5 persuading calls to CC, finally one agent agreed and connected me to senior desk for FK closure (Already having FK in family though) and simultaneously applied for Samsung Infinite...gave consent on SMS while on call and card approved within a minute ☺️. But, he told me something weird that RP credited for SI will be available for redemption @0.20 reward rate, even if, you get Privilege later on. Privilege reward rate will be @0.40 for its 12500 RP only and other RP from other cards will be @0.20.

Is it possible?

Have they started tracking such RP redemption from different cards at different rates?

Btw, thank you @DocFixIt @S S V and all members here.

Now enjoy Samsung infinte for month .get Rp and close it .
Or ask for upgrade on si to previlgae .

Then u can finally redeem.all edge Reward point

 

[manish16]

Now, what kind of transactions will qualify for getting activation benefit of SI - Ecom/Wallet load/Merchant txns/Online, as nothing specific mentioned about the same on Axis website, also of what minimum value?

 

[Vasuki]

Now, what kind of transactions will qualify for getting activation benefit of SI - Ecom/Wallet load/Merchant txns/Online, as nothing specific mentioned about the same on Axis website, also of what minimum value?

Buy gift voucher .
Do recharge
Buy fruit of jio mart .
Swap in mall

Endless .just don't do wallet

 

[darthvader1]

Isn’t airtel best for airtel bills? Actually I don’t use any airtel services, all are jio. So it it worth it? Also its not on list of the approved cards

10% off on all utility bills. And yes it’s a difficult card to get.

 

[minhazuddin]

Axis Atlas if you prefer miles nd Ace if you prefer cashback.

 

[Deleted member 23535]

Where u guys r using axis ace cc ?
No cb on insurance, education fee, gold etc ...so many categories excluded