GUIDE: How to Apply for Axis Bank Addon Credit Card?

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How to Apply for Axis Bank Addon Credit Card for existing Cardholders?

Kindly refer to the Full Details of Axis Bank Add-on Credit Cards before reading this post. It contains answers to common questions that you SHOULD NOT miss.

As you already know, if you already own an Axis Bank Credit Card, you cannot opt for an addon for the same card directly. So, to get an Addon Card, You have these 2 options only:

Option 1:

Close your existing Axis Bank Credit Card, wait for 6 months (cooldown period), and re-apply for the same Credit Card. This time, opt for an Addon Card, just like a Fresh Application. Guidelines Given Here.

But this is a hard decision since you have to live 6-7 months without any Axis Bank Credit Card, which is not so good. So, better opt for the next option, which is the best-case scenario for everyone.

Option 2:

To elaborate this, let us consider that you have an existing Flipkart Axis Bank Credit Card, and you want to take an Add-on card for the same. (Just for example)

  1. Keep your existing Flipkart Axis Credit Card running. Apply for a New Axis Bank Credit Card separately as a Fresh Application. This time, opt for an Addon Card. Guidelines Given Here.
  2. After getting your new Axis Bank Credit Card with Addon Card, use it for 6 months minimum. You can use it for a longer period if you want to.
  3. If you get a lower Credit Limit in your new Axis Bank Credit Card, try to increase it (after 6 months) by submitting ITR/Salary Slips (if you have the capability). Increase Credit Limit Online.
  4. Once you have a good limit on your New Axis Bank Credit Card, you need to do this: ‘Close your old Flipkart Axis Bank Credit Card’, and ‘Upgrade’ from your ‘New Axis Bank Credit Card’ to ‘Flipkart Axis Bank Credit Card’. You DO NOT need to wait for 6 months for ‘card upgrades’. The cooldown period only applies for ‘Fresh Applications’. I have personally verified it since I opted for the same.
  5. At first Contact Axis Bank Customer Care and ask for closing your existing Flipkart Axis Bank Credit Card. Cite any reason you want to. They will take 10-15 days to close it. Wait patiently.
  6. Once your existing Flipkart Axis Bank Credit Card is closed, you will get a NOC email from Axis Bank that no dues are pending. This means your card membership is properly terminated.
  7. Now Call Axis Bank Customer Support and say you need to upgrade to ‘Flipkart Axis Bank Credit Card’ from your existing Axis Bank Credit Card with ‘Shared Limit’.
  8. On that call, you should say 2 things:
  • You want to keep your existing Axis Bank Credit Card active.
  • Your existing Credit Card has an Addon Card, and you wish to upgrade the Addon Card also.

Under the ‘Credit Card Application Form’, they have an option: “Upgrade Add-on Credit Cards”. If they ‘check’ that option, your job is done. You will get both the Primary Card as well as the Addon Card.

Things to Note:

  1. Once you try to cancel your existing Flipkart Axis Bank Credit Card, they will try to lure you with many benefits to make you not cancel the card membership. They may even try to offer you a different credit card. Don’t fall for it and ask them firmly to cancel your card.
  2. Have patience. If you have an existing credit card, the journey becomes tough as you need to wait 7-8 months to properly get an Addon Card with Fresh Application. However, in the long term, it is worth it.
  3. Closing your Credit Card, and Opening a New Credit Card, both of these may bring down your credit score temporarily. However, if you are in for many years’ benefits, then you may ignore them as these are all temporary downfalls. Eventually, your credit scores will improve as you keep paying your bills on time.

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