[Urgent Help] My Flipkart Axis card got cancelled due to non-personal use!!!

[NeoBuzz]

Hello,
I was using 3+ years old Flipkart Axis card. Since last 2 years onwards one of my friend started using this card to order mobile phones for his shop. My limit was 3.7L and many a times the limit was used more than 80%.
Today I received the following mail.


I am really scared now…am I in big trouble???
Will there be any legal / police case now…I don’t want my parents to know of all this !!

While searching online, I came across the name of this community….so plz plz help me out of this problem…I promise I will stop all such activities in future !!!

 

[Iamamy07]

Hello,
I was using 3+ years old Flipkart Axis card. Since last 2 years onwards one of my friend started using this card to order mobile phones for his shop. My limit was 3.7L and many a times the limit was used more than 80%.
Today I received the following mail.

View attachment 56880
I am really scared now…am I in big trouble???
Will there be any legal / police case now…I don’t want my parents to know of all this !!

While searching online, I came across the name of this community….so plz plz help me out of this problem…I promise I will stop all such activities in future !!!

Hii Bro I also got this today just wanted to know did they reversed the cashback which they gave on these suspected Transactions ?

 

[Gownandha]

Hi TF community,

Today (18th June 2025), I received an unexpected and disappointing email from Axis Bank saying that my Flipkart Axis Credit Card (XX2915) has been cancelled due to suspected non-personal or commercial usage, with all cashback revoked and existing EMIs foreclosed.

They’ve cited transactions between 01-Feb-2025 and 30-Apr-2025, mostly from Flipkart.

Context:

* I spent around ₹5 lakhs during this period
* Nearly 90% of orders were delivered to just 3 addresses (mine and my brothers’)
* All purchases were for personal/family use – gadgets, gifts, household items, etc. No reselling or business usage
* Axis has now asked me to upload invoices or proof within 30 days

One more thing:
I had raised an ombudsman complaint earlier in April regarding a separate unresolved issue with Axis. That complaint is still open, and I have been waiting for resolution for over a year. I’m beginning to think this action might also be related to that escalation, though I can’t be sure.

Need expert guidance:

1. How should I proceed with Axis on this? Should I respond or escalate?
2. Has anyone else faced this kind of closure?
3. Should I contact the nodal officer or RBI CMS?
4. Will this impact my credit score or future card eligibility with Axis?

Appreciate any help or experience shared. Thanks in advance.

– Nandha Kumar

I also got the same mail today. Any suggestions experts

 

[cardgenie]

You have done your part, let Axis handle it onwards.
Nothing to worry, they will cancel the card only. No such legal action will be taken
But be ready for possible ITD notice ☠️ as I believe you may have spent more than 10L in a financial year

Is it 10L spends on per card or overall consolidated bills put together for all the cards ??? Also is 10L standard for everyone or it depends on income too ?