[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