Amazon Pay ICICI Bank Credit Card - Pre Approved ???

251°
Deal Newbie
52
61
1

Hi!

I’m getting pre approved kind of banner for Amazon Pay ICICI Bank Credit Card on Amazon App which says You are eligible for a Credit Card Upgrade. 100% digital application & no income proof required.

https://cdn0.desidime.com/attachments/photos/656705/medium/Screenshot_20201224-134954__01__01__01.jpg?1608837800
Does above banner mean it’s pre approved?


My current scenario:

Had never applied for any loan & CIBIL was Zero / Credit History Not Available (NA) until I got Amazon Pay Later 2 months back just for purpose of creating CIBIL score. I had previously applied Ola Money SBI Credit card in June 2020 & rejected due to no credit history.

Today I check my CIBIL & found that Amazon Pay Later details have been updated & also my score is 769 now instead of NA/ZERO previously.

I have made couple of small pay later transaction & cleared payment of around 500 & 1000 to show it as regular payment.

My city is not in serviceable pin code but now that KYC is digital it shouldn’t be issue I guess.

Employment status is self employed & ours being family business major returns are filed under elders name. My individual returns are average just floating around the basic exemption limits each year.

Do you think if this is actually pre approved kind of offer basically for using Amazon Pay Later regularly for couple of months and will not make any hard CIBIL inquiry or just marketing tactics & it will rely upon CIBIL, Employment status, income documents for processing.

Finally should I apply & take chances of hard inquiry dipping my CIBIL score as it’s just in initial phase or wait for sometime to get CIBIL near around 800 before applying or have much strong ITRs?

Thanks.







20 Comments  |  
13 Dimers
  • Sort By
181
3061
14

Same banner is showing in my account also

52
61
1
raghuramn wrote:

Same banner is showing in my account also

That’s great.

Do update if you apply & it’s outcome with your current scenario if you hold any existing credit card, if any income documents were requested.

Any inputs will be appreciated.

294
7255
74

Its fake, ultimately doc collection agent will demand income proofs, office mail id…

50
982
6

Go ahead and apply…
Unless you apply you won’t know it.

I had applied from same banner (no documents/KYC done)..but I had ICICI platinum credit card…in your case you had Amazon pay latter history

199
1561
10

Do video kyc, no docs required

50
1196
5
raghuramn wrote:

Same banner is showing in my account also

Showing the same on my app too.

17
20232
196
AS007 wrote:

Do video kyc, no docs required

No ITR?

52
61
1
Expand
AS007 wrote:

No . Only aadhar or pan card

Do you hold any other credit card Or this was your first?

What was your CIBIL score?

Duration it took to get card issued?

52
61
1
Sudarshan61 wrote:

Go ahead and apply…
Unless you apply you won’t know it.

I had applied from same banner (no documents/KYC done)..but I had ICICI platinum credit card…in your case you had Amazon pay latter history

Sure. Icici platinum user’s get shared limit for Amazon Pay CC & are mostly issued based on it.

I have once icici credit card saved on account, but that’s not mine. May be banner refers to that as upgrade or pay later it could be.

Will probably apply & see.

50
151
1

No, it isn’t fake. I have applied for the card around a month back. The agent just asked me for aadhar and a pan card. We don’t need income proof for this amazon credit card. Also, I didn’t have any official office mail id. I have been asked for an office email id while registering for the card online, however, I had a Gmail for my office purpose as I work in a startup. So I have given the same gmail id. My card got approved with a limit of 80k.

50
151
1

No income documents were needed. All that they ask is for an original aadhar and pan card. That’s it. I have received my card almost a month back.

50
982
6
Expand
_sk_ wrote:

Sure. Icici platinum user’s get shared limit for Amazon Pay CC & are mostly issued based on it.

I have once icici credit card saved on account, but that’s not mine. May be banner refers to that as upgrade or pay later it could be.

Will probably apply & see.

Yes…they call it shared limit..
But in my case initial limit was same as Platinum card but limit was never shared…both card has its own different limit

12
243
3
Kartikpanjala wrote:

No income documents were needed. All that they ask is for an original aadhar and pan card. That’s it. I have received my card almost a month back.

Even I received this offer but was sceptical on applying. What do you suggest ? Should i apply?

187
1714
7

one of my friend had received the pre-approved the card without any cibil history that too in may 2019 when this card was rare to get.

50
151
1
Expand
Rohhitt wrote:

Even I received this offer but was sceptical on applying. What do you suggest ? Should i apply?

I would suggest you to go for it. I got a credit limit of 80k with a credit score of 790. Thats a great deal infact. And Im a frequent online shopper. So I had Flipkart Axis Credit Card before and now I took Amazon Icici credit card.

7
1545
32

I have SBI card and I received this offer…I applied for it 3 days back.. KYC appointment schedule was for 26 dec today from 12.30- 1 pm by Manipal who got contract from Amazon. No one came till now…When I called the person..he said I am out of station and have stopped doing KYC. Amazon is not helping me..they r saying reschedule again..new date is after days…I have not rescheduled yet…What kind of joke service they are providing.

191
1548
21
Kartikpanjala wrote:

No, it isn’t fake. I have applied for the card around a month back. The agent just asked me for aadhar and a pan card. We don’t need income proof for this amazon credit card. Also, I didn’t have any official office mail id. I have been asked for an office email id while registering for the card online, however, I had a Gmail for my office purpose as I work in a startup. So I have given the same gmail id. My card got approved with a limit of 80k.

Did you reply using the personal email id? and what happened then?

50
151
1
Expand
F7-Dimer-Primer wrote:

Did you reply using the personal email id? and what happened then?

Yes. I have replied through my personal gmail id. The agent who came to get my kyc done has informed me that official office email id isnt mandatory. As he said, I have received the card in about 10 days.

65
1432
4

@_sk_ Bro U Get This Card. Can U Tell Me How Can U Get Amazon Pay Later If U Have 0 Cibil ?

Missing