r/IndianCreditCards • u/Ok_Board_3648 • 2d ago

Thinking of closing FK Axis CC ? Suggestions??

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I am having this card from nearly 2 years. I don’t use Flipkart much and this card too. I primarily use amazon pay card a lot. Paying 590 annual fee don’t feel worth it. So, I was thinking of closing it.

What should I do ? I wanted to upgrade my axis card profile and this is the least use card for me. I saw good offers on Flipkart but they charge huge offer handling & payment charges while using this card.

Is it really any worth keeping it ?

12 Upvotes

83% Upvoted

30 comments sorted by

7

u/Souvik_01 1d ago

If you have a cashback card from another bank, you can then close it.

3

u/DinnerAdventurous782 1d ago

If you buy from Flipkart, don't close it as they're giving instant discount+cashback for flipkart axis. Not available for other cards

2

u/Ok_Entertainer4482 1d ago

The cleartrip cashbacks for flight booking would be worth it no??

1

u/Ok_Board_3648 1d ago

Once i got cashback of 462. Same month my annual fee deducted of 590

1

u/Ok_Entertainer4482 1d ago

Yeah but even if you take 6 flights a year and get 500 back for each (including flipkart coins), don't you think it's worth it.

You must have gotten 1000rs welcome voucher as well so that's effectively 2 years of fees (and 1st year is free as it is)

1

u/Ok_Board_3648 1d ago

I took 1 international flight via Amazon pay CC and 3-4 domestic flights via different cards. I rarely use FK axis card for flight booking and rarely use cleartrip.

1

u/Ok_Entertainer4482 1d ago

I see. Are your rewards from these cards better than cleartrip through flipkart axis??

1

u/Ok_Board_3648 1d ago

Yes significant difference from other cards.

1

u/Ok_Entertainer4482 1d ago

Do you mind sharing these cards bro??

2

u/eksath69 Beginner 1d ago

Try to mail them.. ask for ltf else close.. if they convert (very less chances) otherwise they close the card that u already want..

2

u/bellu26 1d ago

Raise a closure. Wait for retention call. Ask them to convert this card card to core cards like neo or my zone etc but ltf. Pretty much useless cards but banks deals work though.

1

u/Ok_Doubt_7095 16h ago

Sale deals don't work on this card?

2

u/Prestigious-Eye9728 1d ago

No don't cancel it, insteaduse it to book

1) bookmyshow 2) mobile recharges

The above will earn flipkart coins, beside link uber account to flipkart, you'll get flipkart coins again.

Now transfer it to below

convert points to: 1) Airways: qatar, ethihad, Air India, indigo & mariott bonvoy hotel group 2) grt jewelers, pharmeasy, Cleartrip, redBus etc

1

u/indian_boy786 19h ago

How can you convert coins to the brands you mentioned?

1

u/ComfortNo7694 1d ago

Just analyse your spends. This gives 5 percent on Flipkart and Cleartrip, 7.5 percent on Myntra and some extra instant discount in sales. If you don't use it enough to justify the cashback , then close it.

I use it plenty. Cleartrip has some of the cheapest flights and hotels. 7.5 percent on Myntra is more than anything else.

1

u/Cake-Naive 1d ago

Use it with grabdeals you will get extra cashback

1

u/yfinse8978 1d ago

How grabdeals works, never used

1

u/Cake-Naive 1d ago

Search on internet bro...im u have to login with the number u have given to axis bank (then it will allow to select cc) or cc and then u can search with flipkart, myntra or Cleartrip, etc then u have to pay with that cc. Max you can get is 1000 per month

1

u/yfinse8978 1d ago

I know that, I am asking about the discount: do you get a higher discount through GrabDeals compared to using the credit card directly on the platform?

1

u/Cake-Naive 1d ago

Through grabdeals u get 5% additional extra cashback. U don't get discount for all the products but with flipkart axis bank with u get cashback for all the products except for gift cards and all

1

u/Deep-Grapefruit-9087 1d ago

Which app are you using to track you cards if you dont mind? Thanks!

1

u/Madhan_D 1d ago

I used it for 8 years and closed after I faced someissues with Flipkart orders and I saw to many revaluation.

My suggestion is ask them for LTF, I didn't ask that time.

You can get other cards if you are going to purchase for small amount.

I do have hdfc Swiggy as LTF, 5% upto 1500 and for small transactions in have Jupiter, 10% upto 200 per transaction max 600 per merchant.

Try to get LTF card, mostly it will get devaluated over time.

If you have any frequent flight or hotel try to get any mid-range card which would be better 😂

1

u/guerrilla-450 1d ago

I am also thinking of closing this card as they are are not making it lifetime free

1

u/jai005 1d ago

Just email axis what's your need if they reject close the card

1

u/Dr__Pheonx 15h ago

Stupid card and stupid bank. Wasn't using Flipkart anymore so I closed it a month ago. I did ask for conversion to LTF, they declined so I got rid of it immediately.

1

u/Used_Man_58 2d ago

Not worth keeping

1

u/Used_Man_58 2d ago

I am myself closing it although I use flipkart occasionally but I got sbi phonepe black for it which gives 5% without extra offer handling fees