Amazon ICICI card help

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Deal Subedar
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I want Amazon ICICI card for my mother. as she is not having account in ICICI, m planning to get one saving account for her and then try to get one platinum card through FD …bank people said I can get 80% of FD amount as limit….
my query is that whether I can apply for Amazon ICICI card against that FD based card?

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No… You can’t apply using fd card…. You need unsecured credit card of minimum 3 billing cycle old

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rohit_agarwal wrote:

No… You can’t apply using fd card…. You need unsecured credit card of minimum 3 billing cycle old

Is it possible to get it based on savings account?

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suman1520 wrote:

Is it possible to get it based on savings account?

Yes, but account must be minimum 1year old… Just maintain 20-30k, and you will get pre-approved coral LTF…..

And after 2-3 months later, you can apply for apay card.

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rohit_agarwal wrote:

Yes, but account must be minimum 1year old… Just maintain 20-30k, and you will get pre-approved coral LTF…..

And after 2-3 months later, you can apply for apay card.

Another method as suggested by people here is to get platinum credit card against FD & then after 3-4 bills are generated,one can apply for amazon pay card with good chances of approval.

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guest_999 wrote:

Another method as suggested by people here is to get platinum credit card against FD & then after 3-4 bills are generated,one can apply for amazon pay card with good chances of approval.

This process not working…… Fd card must be 6 months old, and have very good track of repayments.

Then very few changes to approve. Maximum times it will not work as expected.

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suman1520 wrote:

Then what method you suggest to get Amazon ICICI card for my mother? @midfold @guest_999

Take fd card and maintain minimum 20k balance in saving account…..

But you have to wait for minimum 6months….

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rohit_agarwal wrote:

Yes, but account must be minimum 1year old… Just maintain 20-30k, and you will get pre-approved coral LTF…..

And after 2-3 months later, you can apply for apay card.

I am having 20 to 30 k amount and today while applying via app they are ready to give via CC via FD

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suman1520 wrote:

Then what method you suggest to get Amazon ICICI card for my mother? @midfold @guest_999

You can try with platinum card against FD or just get regular card(better option) if having salary.Then use that card for 3-4 months before applying for apay card. Also use that card for those 3-4 months instead of just keeping it or making very less transactions.

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weir wrote:

I am having 20 to 30 k amount and today while applying via app they are ready to give via CC via FD

CC against FD is the easiest to get as it is basically a secured card(your FD is the collateral so no chances of loss for bank in case of any defaults). A better & more difficult to get card is the offer for pre-approved CC without requiring income proof or ITR which can then be used as basis for applying for better cards from same bank or other banks(CC against FD too can do this but with lesser chances of success).

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rohit_agarwal wrote:

This process not working…… Fd card must be 6 months old, and have very good track of repayments.

Then very few changes to approve. Maximum times it will not work as expected.

What exactly do you mean by above,that generated bill every month should be paid before due date or generated bill should be under 30-40% of card limit.

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guest_999 wrote:

What exactly do you mean by above,that generated bill every month should be paid before due date or generated bill should be under 30-40% of card limit.

Pay after bill generated…. But before due date. You can use 100% of limit on ICICI fd card, as ICICI basic card don’t provide total credit limit to CIBIL.

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rohit_agarwal wrote:

Pay after bill generated…. But before due date. You can use 100% of limit on ICICI fd card, as ICICI basic card don’t provide total credit limit to CIBIL.

Are you sure about that? My 2 statement already generated still my ICICI Instant Platinum(against FD) not showing in CIBIL?

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Vladimir-Putin wrote:

Are you sure about that? My 2 statement already generated still my ICICI Instant Platinum(against FD) not showing in CIBIL?

I’m sure….. You need to wait for minimum 3-5 months,, Your card will show on CIBIL.

Note+ if your CIBIL is NA (0), then you have to wait minimum 6months to generate CIBIL.

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