Imagine this—you’ve just applied for the Axis Select Credit Card on a fine Saturday afternoon. The process was seamless, digital, and quick. An application number pops into your inbox, followed by a vKYC (Video Know Your Customer) link. You complete the video verification successfully and take a deep breath, thinking, “That was easy.”
But then, silence.
Days pass, and suddenly, an SMS drops in: A verification call will be arranged. You receive an IVR call, press ‘1’ to confirm all details, and the call ends with a promise—We’ll get back to you shortly.
Excited, you rush to track your application, only to see it stuck at Step 1—not even reaching the eligibility check.
What Happens After You Apply for an Axis Credit Card?
Application Submission and vKYC Completion
The first stage involves submitting your Axis Credit Card application online. Once completed, the bank will generate an application number, which is crucial for tracking your progress.
After that, you’ll receive a vKYC link, where a bank representative (or AI-based system) will verify your identity. Ensure the following:
✔️ Good lighting and a stable internet connection.
✔️ Keep your PAN card and Aadhaar card ready.
✔️ Be alone during the verification to avoid distractions.
Verification Call (IVR or Live Agent?)
After vKYC, Axis Bank performs an additional phone verification. This can be in two ways:
🔹 IVR Call: The system asks you to confirm details by pressing ‘1’.
🔹 Live Agent Call: A bank representative may call for further verification.
If you receive an IVR call, press ‘1’ and wait. If it’s a live call, provide the same details you submitted in your application.
Application Tracking & Eligibility Check
Now comes the waiting game. You excitedly check the Axis Bank Credit Card Tracker, expecting progress, but it shows only the first step.
🤔 Why is this happening?
✅ Reasons for Delay:
- High application volume.
- Additional internal checks on your credit profile.
- System updates causing slow tracking.
🚀 What to Do?
- Wait for 2-3 business days before panicking.
- If there’s no update after a week, contact Axis Bank support.
- Keep an eye on your email and SMS alerts.
Is Physical KYC Required?
One big question applicants have: Will I need a physical KYC verification?
🔹 If your vKYC was successful: No physical verification is needed. 🔹 If your vKYC failed: A bank agent might visit you to verify documents.
🛑 What Documents Might Be Required?
- PAN Card (Permanent Account Number)
- Aadhaar Card
- Latest Bank Statement or Salary Slip
- Utility Bill (for address verification, if needed)
Final Steps Before Approval or Rejection
Once verification is done, your application undergoes:
✔️ Credit Score Check – A good credit score (750+) increases approval chances. ✔️ Employment Verification – Self-employed or salaried proof is reviewed. ✔️ Banking Relationship Check – If you have an account with Axis, approvals can be faster.
What to Do If Your Application Is Stuck?
If your Axis Credit Card application doesn’t move forward, here’s what you can do:
- Call Axis Bank Customer Care 📞 (1860 419 5555) and provide your application number.
- Email Axis Bank support with your application details.
- Visit a local Axis branch and inquire in person.
- Check your credit score; a low score could be causing delays.
Tip: If rejected, request details and improve your profile before reapplying.
Frequently Asked Questions
How can I check the status of my Axis Bank credit card application?
You can track your application status online by visiting the Axis Bank website and entering your application reference number. Alternatively, you can contact Axis Bank customer service for an update.
How long does it take to get an Axis Bank credit card after applying?
The processing time usually takes 7-15 working days. If additional verification is required, it may take longer. You will receive SMS/email updates regarding your application status.
What documents do I need to submit after applying for an Axis Bank credit card?
If required, Axis Bank may ask for additional KYC documents like identity proof, address proof, income proof (salary slips or ITR), and PAN card for verification.
What should I do if my Axis Bank credit card application is rejected?
If your application is rejected, you can contact Axis Bank to understand the reason. Common reasons include low credit score, incomplete documentation, or ineligibility. You may reapply after improving your credit profile.
How will I receive my Axis Bank credit card once approved?
After approval, your credit card will be dispatched to your registered address via courier. You will receive tracking details via SMS or email to monitor the delivery status.
Conclusion
Applying for an Axis Bank credit card is a straightforward process, but understanding the next steps can help you stay informed and prepared. Once you submit your application, you can track its status online or via customer support. The approval process usually takes 7-15 working days, depending on verification requirements. If approved, your credit card will be dispatched to your registered address, and you’ll receive tracking updates.
If your application is rejected, you can review the reason and work on improving your eligibility before reapplying. Keeping a good credit score, proper documentation, and stable income can enhance your chances of approval.
