CREDIT CARD -> Axis BEST Upgrade Path?

71°
Deal Lieutenant
DEEPANGEORGE

Hello Dimers,


Need your suggestion a little, I have LTF my zone card (3 Card I already got in axis) and today I got offered with IOCL Or Rewards card as upgrade to my existing My Zone

So my doubts are

1) How to find the upgrading card T&C about charges? I want to know if it's LTF as well

2) Will it replace and not get added as 4th card with shared limit?I want to know if it's possible to break 3 cards curse rule of axis this way

3) What will happen of i dont upgrade to any card , will it affect anything?

4) Can I ask customer care some doubts related to this upgrade offer, willl customer care trick me something into taking this offer?

5) Can I bargain better or something else instead of upgrades, using this upgrade as leverage

6) If I don't take this upgrade what will happen? Any side effects on my future upgrade process or offers?

7) If I take this upgrade what will happen to future possibility of offers, will more offers like limit enhancement or next upgrade will come or not?

8) After taking this offer will I be locked in this offer for 6 months or 1 year without any offers?

9) Is it worth to take any offer axis gives for more future offers, OR JUST WAIT WITHOUT TAKING CURRENT OFFER TO GET MORE BETTER UPGRADE OFFERS NEXT TIME?


Thanks in advance 

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Top Comments
Deal Cadet Deal Cadet
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Oh man, so many questions..!! I've been using Axis for the last 15 years, and its cards for the last 5. Here's my opinion.

1. MyZone to IOCL is a pretty sweet deal and if it is LTF, then voila! Whether you receive the offer in the email or app, it should clearly mention the charges as well. See if you can go through 1-2 steps of the process and it should inform you about the charges.

2. Since it is an upgrade, it'll be replaced. Your MyZone will be deactivated. I too have been trying to break the 3 card curse but eventually had to close one to get a new one.

3. Nope, nothing will happen. The only upgrades I've been getting since last 5 years are Priviledge and Select, both premium category cards which I've never agreed for.

4. Sure you can clear your doubts, you will be fine. They will try to sell you this or maybe something else, just refuse if you don't want that.

5. I don't think so.

6 and 7. The limit enhancement and card upgrade offers depends on several factors. I don't think that you can plan your behaviour to get those offers. Sometimes people who don't use their card get offers, and sometimes it is the opposite. I don't think that you should worry about that.

8. I don't think so.

9. Again, they don't have any criteria..and even if they do, they might change it and you won't know it. My suggestion - take the offer if it is worth it, else ignore. Axis IOCL LTF would be a great great deal, else you would've to spend 3.5lc for the waiver.

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6 Dimers
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Deal Colonel Deal Colonel
Deal Lieutenant Deal Lieutenant
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Hmmm I need suggestions of commoners not financial experts from finance section  (who might have closed views on topics)

So my logic is simple 

1. Need opinion of commoners  so better to post in Dost and Dimes, as I got better answer here than finance section

2.Obviously for more better views , because I know later if these threads gets interesting it will be moved to finance section 


I need results IF I PUT IN FINANCE SECTION result and response is VERY limited, I need common opinion Not opinion from only financial experts, 


No offence but DD Dost and Dimes gives better answers for what I am looking for


Please don't mind posting on Dost and Dimes as that gives me better answers initially (incase if you wanna move please move it after 1 day)

if you think it's hard work to move post to finance section teach me how to move to proper finance sector once this get some valuable response



Dont wanna burden you, if I put in finance section my purpose of post for common answers is not solved defeats my requirement 

so please move my post after 1 day to finance section or teach how to do it , I don't wanna trouble admins 


Deal Cadet Deal Cadet
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All offers shows in Axis app.

Deal Lieutenant Deal Lieutenant
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Would be nice to know individual upgrade experiences
Deal Cadet Deal Cadet
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Oh man, so many questions..!! I've been using Axis for the last 15 years, and its cards for the last 5. Here's my opinion.

1. MyZone to IOCL is a pretty sweet deal and if it is LTF, then voila! Whether you receive the offer in the email or app, it should clearly mention the charges as well. See if you can go through 1-2 steps of the process and it should inform you about the charges.

2. Since it is an upgrade, it'll be replaced. Your MyZone will be deactivated. I too have been trying to break the 3 card curse but eventually had to close one to get a new one.

3. Nope, nothing will happen. The only upgrades I've been getting since last 5 years are Priviledge and Select, both premium category cards which I've never agreed for.

4. Sure you can clear your doubts, you will be fine. They will try to sell you this or maybe something else, just refuse if you don't want that.

5. I don't think so.

6 and 7. The limit enhancement and card upgrade offers depends on several factors. I don't think that you can plan your behaviour to get those offers. Sometimes people who don't use their card get offers, and sometimes it is the opposite. I don't think that you should worry about that.

8. I don't think so.

9. Again, they don't have any criteria..and even if they do, they might change it and you won't know it. My suggestion - take the offer if it is worth it, else ignore. Axis IOCL LTF would be a great great deal, else you would've to spend 3.5lc for the waiver.

Deal Lieutenant Deal Lieutenant
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hahaahahaha sorry for the too many questions (but now because of  you i am cleared of it)


Thanks for the valuable insights:)))


it really helps:)


KG+

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Deal Cadet Deal Cadet
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I don't recommend IOCL card as I am still fighting for the rewards points. If you are looking for UPI cashback, I suggest go for FI bank account.

Deal Lieutenant Deal Lieutenant
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Ya and also i heard that 20 points for 100 has a capping of Rs.200 per month so IOCL is a tricky card
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Deal Cadet Deal Cadet
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I too got this offer but I rejected. I have three cards this was offered as 4th card. But Axis support said they allow only 3. I have HPLC Coral 2.5% CB and 1% surcharge waiver. Not worth CIBIL hit it is a RP based card. 

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