r/axisbank

Hi everyone, this is my first Reddit post. I’m trying to apply for the Axis MY ZONE EASY FD-backed credit card and wanted to know if anyone else has faced this recently.

I've been trying since 10–11 August.

First, I got the “OTP limit exhausted” issue. I contacted customer care, visited the branch, and sent multiple emails/escalations.

After several days, the issue was finally resolved and I successfully completed Video KYC + DigiLocker e-PAN verification.

Now I'm stuck again. 😅

The portal shows:

“Pending – Payment is Processing”

But I haven't made any payment or paid the ₹20,000 FD.

The application also doesn't appear in the Axis Application Tracker.

I reported this to the branch head/operations team, but I'm still waiting for a proper resolution.

Has anyone recently applied for this card in 2026?

- Did you face the same “Payment is Processing” issue before making payment?

- Was Axis able to fix the existing application?

- Should I keep waiting, or should I move to another FD-backed card?

I was also considering IDFC FIRST WOW. If you know of any better FD-backed credit card around ₹20k FD, please suggest one based on rewards, offers, service and long-term benefits.

I'm attaching the screenshot. Any recent experience or suggestions would be really helpful.

I recently applied for an Axis Bank Credit Card, but my application was rejected stating that it did not meet the Bank’s “internal eligibility criteria.”

I contacted Axis Bank and specifically asked for the exact reason for the rejection and requested a manual review. However, I received only the same generic response without any specific explanation.

What I find confusing is that Axis Bank is offering me a pre-approved Personal Loan of ₹3.94 lakh, while my Credit Card application is being rejected without explaining what specific criterion I failed to meet.

For context, my credit history is around 9 months old. My current credit profile includes:

Slice Credit Card 65k

SBM Bank FD-backed Credit Card 1.8k

Axis Bank FD-backed Credit Card, 12k which I closed in April

RBL Bank Credit Card 45k

SBI Credit Card 69k

Recently, two ICICI Bank Credit Cards — Amazon Pay ICICI and ICICI Coral 70k

Amazon Pay Later 10k

All my active credit accounts have been maintained properly, with no late payments or defaults.

The Amazon Pay ICICI and Coral cards were also recently offered to me through a pre-approved offer, and their credit limits are currently merged.

I have also been maintaining my Axis Bank savings account for around 2–3 years with regular salary credits.

I have already escalated the matter to the Bank's Nodal officer, but I have not received a response to my latest email yet.

There is also another issue. I had activated DND/Do Not Call with Axis Bank, but I still receiving calls Axis Bank employee through their personal number.

Has anyone faced this issue?