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1. Partnership Credit Cards Channel
LIC CSC WEB IPA JOURNEY
•ETB –Salaried & Self Employed
•NTB –Salaried & Self Employed

2. Sourcing Guidelines
Eligibilityrequirement to get a Credit Card
Age Criteria :-Primary card-holder
Minimum Age: 18 years
Maximum Age: 69 running years
Minimum Salary is mandatory as per policy, basis on ETB or NTB cases.
Applicant should either be Salaried or Self-employed.
Residential status :-Credit Cards to be issued only to Individuals resident in India
Factors affecting Credit Card Eligibility
Beside the above motioned criteria, there are certain factors that also determine your eligibility
•Credit Score
•Application Score
•Existing Debt
•Employment
•Location

3. LIC –Income Eligibility to source quality customer’s at CSC’s end
CardsLIC EmployeeSalaried (Axis) ETBSalaried (Non
Axis) NTB
Normalcustomer
Self-Employed
Platinum Card20Knet 12K Net Pay 15K Net PayITR-3.60Lakhs
Signature Card75Knet 50K Net Pay 50K Net PayITR-6Lakhs

4. Do’s
•Always approach customer politely and with a smile.
•Customer should always be clearly informed about the benefits and fees applicable on the
desired card
•Do re-check opted Card type prior to processing
•Do check the customer Name, Desired name, in web portal and customer KYC & Income
•Check the Residence and Office Address
Don’t
•No credit limit should be committed to the customer.
•Do not make false commitments.
•Do not login two application forms at a time for 2 two different variant card.

6. LIC Credit Card Journey on WEB Portal-Flow chart
CSC agent will
approach the
customer to source
LIC credit Card
If customer is
interested, CSC will
check the eligibility
criteria
If customer is eligible,
CSC will explain the
features & Benefits
Post costumer
confirmation, CSC
will start journey for
credit card through
WEB IPA URL link
CSC will check if the
customer is NTB or
ETB
NTB flow-CSC will
complete the journey
by filing the required
customer details
Customer will select
the credit card, as
per his income
eligibility
Customer has to give
OTP confirmation
CSC agent has to
enter his CSC ID
mandatorilyIn staff
employee field
Post completion of
journey, IPA process
gets initiated & Case
Id’s gets generated
Post case ID
generation flag gets
updated by IT –
IPA/VKYC
If Customer is eligible
for VKYC will receive
SMS or else case will
flow for document
pick up.

7. For VKYC
successful cases -
SMS Content-“Dear Customer, You’re
almost there! Complete your Axis Bank
Credit Card Application with reference
no.C1-00000000061-C1. Click here -----
on clicking link, the
customer need to enter
C1 ID and OTP will be
generated on customers’
mob no
On successful
validation, the
start Video KYC
page will be
displayed
VKYC Journey
Keep Aadhaar
number and
physical PAN
card ready
Step 1: Allow location access
Step 2: Enter Aadhaarnumber and
OTP will be generated
customer will proceed to do V-KYC,
customer must have their PAN
card( hard copy) ready with them.
The agent will speak to the
customer and guide them
through the process
Customer has to verify
mobile number, personal
details and display their
PAN card.
Customer will
receive VKYC
successful pop
up on screen.
If customer fails or couldn’t complete
the VKYC journey, in 6 hours case
will move for document pick up.
VKYC Journey Flow

8. Document pick up
Process -Data gets
updated at
backend & Sales
backend team
extract the data
On basis of Pin
Codes data gets
allocated to
respective RSM’s
trice in a Day
Tele caller calls
customer and gets
appointment
Post customer
appointment leads share
with Docex&visits the
customer
Individual
identification done
through Biometrics
Mobile validation
done through
OTAC
Income & Other
Documents gets uploaded
and case gets submitted in
BYOD for further
decisioningat underwriter
Audit team will
validate the
customer details
with document
If case is ok, it will
move further in
underwriter bucket
for decisioning
If not ok case will
move in sales
bucket as rework
Curable reworks
get resolved by
Docex& non-
curable gets
rejected
Cleared cases
gets approved for
card creation
Card gets
processed for
embossing and
further for dispatch
If card is
undelivered it will
return to originator
(RTO)
Total TAT –8 to 10
working days post
document upload.
IPA –(EKYC) Journey Flow

9. User Journey on Web PortalNTB Salaried & Self Employed

10. Web Portal screen to initiate Credit Card application
Click on the option “No” for NTB Customers

11. CSC agent has to fill the above customer details in front of the customer

12. CSC agent needs to fill up Customer’s self details correctly & Click on Next
Name entered in this
field will appear on
physical card

13. Customer has to give his/her confirmation on T
& C

14. Select the Nature of the Employment
CSC agent has to select the Customer’s Nature of the Employment –Salaried Or Self-Employed

15. Salaried Employee Self Employed

16. For Income Less than 5 Lacs –Platinum
Card will get displayed on the screen
CSC agent has to explain the features and benefits
reflecting on the screen to the customer
and click on Next

17. For Income more than 5 Lacs –Both the card variant will get displayed on the screen Signature
Card / Platinum Card –Customer has to select the card variant

18. Note: Mandatory to fill this field with Agent
ID (Numeric 12 digits only)
Customer has to give OTP Confirmation
Customer will receive OTP on his
registered mobile number
Click on I agree

19. Click on I agree
Customer has to accept OTP T & C

20. Case ID gets generated on Web Portal

21. Once case is submitted on Web Portal customer receives SMS on mobile number entered.
SMS Content :
“ThankyouforapplyingforAxisBankLICSignatureCreditCard.Your
ApplicationIDisC1-00000000000000-C1andanSMSconfirmingapplicationstatus,willbe
Sentshortly.”

22. DO’S-DON’T’s DECLINE REASON
TOP DECLINE REASON
•Income criteria not met
•CIBIL and APP score reject
Do’s
•PAN Card detail is Mandatory in all cases
•Please make sure that customer’s monthly & annual income in case of both Salaried & Self-Employed is as per Policy
•Mother's maiden name should only be put in the right field
•It is required for the Customer to put the complete Residence address as per AdhaarCard.
•Desire Name combination with 'First Name-Last Name & First Name-Middle Name' will get processed, provided
it matches with KYC
•DOB should be entered correctly, once application submitted then the DOB field is non editable.
•Source the application in serviceable pincode
Don'ts
•Without minimum salary criterial, cases will NOT get processed
•Salaried Cases where Residence address & Office address is same will NOT get processed/accepted.
•Family name or Surname should NOT be entered in Mother’s maiden name field

23. Happy Sourcing !!!!