https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578510
What's the Credit Limit approved Bro?
Amex approved for self employed below 600k. Detailed post below
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So recently I was looking to add Mrcc amex to my cc collection.
I looked through every forum and everyone said that it is very difficult for self employed folks below 6 lakhs of income to get any Amex card.
I decided to push my luck and applied through a random referral link because in case my card was approved, I’d have to pay less amount of renewal fee and card would be FYF
My ITR is just shy of 4 lakhs because self employed folks are allowed to show expenses for their business. However, while filling the form, I added the threshold of 6-8 lakhs as my income threshold.
The application got submitted and I got a vkyc link.
During vkyc, they asked for my Pan and asked me to make sure the my adhar was not visible.
After that I was expecting a link to upload income documents but the very next day i got an email stating my APPLICATION WAS APPROVED and I’ll receive the card within 3-7 days.
After two days I got my card.
P.S: My cibil is 781 and I have around 10ccs with 100% repayment history so that might’ve helped me.
So if you’re self employed and want to push your luck for Amex, give it a shot. What do you have to lose? As long as you’re not taking a loan in the coming months, an enquiry shouldn’t matter and 100% repayment history is what matters.
Make sure to apply via a referral link to save on annual and renewal fees.
You can DM me for my referral or use someone else’s if you want.
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578677
Let's just say you got incredibly lucky. Congrats
I am sitting ducks on 15 year old credit history, cibil @ 794. Been applying since 2017. Rejection might have to do with my total credit limit (43L/3 cards) Vis-a-vis income of around 5 L.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578688
Ramta_Jogi wrote:Mine got approved 2 days ago, delivered today. Cumulative CL is approx 3X than the annual income. CL provided by AMEX is 3x than the monthly income.Let's just say you got incredibly lucky. Congrats
I am sitting ducks on 15 year old credit history, cibil @ 794. Been applying since 2017. Rejection might have to do with my total credit limit (43L/3 cards) Vis-a-vis income of around 5 L.
(Salaried)
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578700
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578727
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Ramta_Jogi wrote:Mine is 43L. On a 5L income. Red flag for most future CC issuers I guess
Have you applied via referral or directly?
I’ve referred a friend whose combined limit is over 52 lakhs with 5 lakh ITR.
He has completed the vkyc today without any income documents as well. If his application gets approved I’ll let you know. Maybe this time might be different for you? 
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578764
Read many threads regarding Amex easy approvals on other communities as well. They are giving cards on just vkyc. Points to remember is Eligible pincodes, excellent cibil score and payment history. They are also expanding and adding new cities in their eligibile areas.
PS: I haven't applied yet as less acceptance and not useful for me.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578780
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buttman wrote:What's so special about amex cardHave you applied via referral or directly?
I’ve referred a friend whose combined limit is over 52 lakhs with 5 lakh ITR.
He has completed the vkyc today without any income documents as well. If his application gets approved I’ll let you know. Maybe this time might be different for you?
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578788
@buttman Please remove your referral link, before someone reports the thread or downvotes it. Referral links aren't allowed here. Just mention something like DM me for referral link in your post.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578791
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578839
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buttman wrote:Have you applied via referral or directly?
I’ve referred a friend whose combined limit is over 52 lakhs with 5 lakh ITR.
He has completed the vkyc today without any income documents as well. If his application gets approved I’ll let you know. Maybe this time might be different for you?
I hope so too. I applied directly last time
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578848
tappukepapa wrote:Read many threads regarding Amex easy approvals on other communities as well. They are giving cards on just vkyc. Points to remember is Eligible pincodes, excellent cibil score and payment history. They are also expanding and adding new cities in their eligibile areas.
PS: I haven't applied yet as less acceptance and not useful for me.
If you pay bills of around 6k pm then you can get the Mrcc card and get 1500x4 amazon gc using Amex reward multiplier portal.
You will get 1000MR points on doing the 1500x4 transaction plus 2x points on the 6000 which is around 240. And Amex points never expire so you can save it to later use it on Taj voucher reward redemption for their 18k and 24k points category or amazon vouchers.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9578919
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abhi1047 wrote:
What's so special about amex card
I have mentioned in the comment below but I’ll mention it here again.
“If you pay bills of around 6k pm then you can get the Mrcc card and get 1500x4 amazon gc using Amex reward multiplier portal.
You will get 1000MR points on doing the 1500x4 transaction plus 2x points on the 6000 which is around 240. And Amex points never expire so you can save it to later use it on Taj voucher reward redemption for their 18k and 24k points category or amazon vouchers.”
Also you get extra 1000MR if you spend 20k in a calender month.
Personally my usual expenses amounts to around 6k with bill payments. Hence this card is useful for me.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579038
Pm me for referral and some goodies😂
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579447
tappukepapa wrote:Read many threads regarding Amex easy approvals on other communities as well. They are giving cards on just vkyc. Points to remember is Eligible pincodes, excellent cibil score and payment history. They are also expanding and adding new cities in their eligibile areas.
PS: I haven't applied yet as less acceptance and not useful for me.
Can I apply from a serviceable pincode and get the card. Are you sure it's just vKYC now?
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579515
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Neversaynever wrote:Can I apply from a serviceable pincode and get the card. Are you sure it's just vKYC now?
Yes, address should be same as Aadhar i think. check thread regarding eligible cities sent in DM.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579516
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Neversaynever wrote:Can I apply from a serviceable pincode and get the card. Are you sure it's just vKYC now?
For me thats how it worked.
Same thing with my friend. So for now its working can’t say about the future. You can try your luck. Lemme know if u need a ref.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579521
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tappukepapa wrote:Lol guess I need to change it then but how?Yes, address should be same as Aadhar i think.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579529
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579530
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Neversaynever wrote:
Lol guess I need to change it then but how?
Lmao. I think bank passbook from sbi should work?
You can apparently change your address in adhar upto 32 times so what’s stopping you?
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579535
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Neversaynever wrote:
I don't have an address proof for the serviceable area, heck I don't even stay in a serviceable area bro
Where do you stay if you dont mind me asking?
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579558
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579873
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Ramta_Jogi wrote:I hope so too. I applied directly last time
Hey! My friend’s application has also been approved. Just informing you. Let me know if you want me to pm you the ref link.
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579991
Maine bhi 6 Months Pehle Applied kIya Tha But Unhone VKYC Link Ke Sath Hi Upload Documents Ka Bhi Link Diya Tha....Tab Maine VKYC Nhi Kiya.... Although Main Serviceable Area Main Rahta Tha But Aadhar Address Non Serviceable Tha..... Isliye ignore kar diya... Unhone Bahut Call/Sms/E-mail Bheje....But Main Bola Income Documents Nhi Dunga....Aaj Tak 10 banks ke cards hai unko nhi diye tumko kyun du.... kyunki ITR Hi 5L ki Thi😉
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9579997
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buttman wrote:Hey! My friend’s application has also been approved. Just informing you. Let me know if you want me to pm you the ref link.
I will use your link if you clearly mention two things:
1. My aadhar address non serviceable area but I will provide Jaipur address.
2.Self employee & ITR below 5L
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9580094
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9580225
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Ramta_Jogi wrote:Currently not at the aadhar ID location. I'll be going there closer to Diwali. Will msg you then
Sure! Lemme know then.
Cheers
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9580231
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Spanjaykumar wrote:I will use your link if you clearly mention two things:
1. My aadhar address non serviceable area but I will provide Jaipur address.
2.Self employee & ITR below 5L
1) I think you need your adhar address to match with the correspondence address dude or else they might reject the application due to mismatch
2) For ITR, they didn’t ask for any documentation upload in my case and same thing with my friend’s case. Both of our ITR is below the required threshold of 6 lakhs
https://www.desidime.com/discussions/amex-approved-for-self-employed-below-600k-detailed-post-below?page=1#post_9580245
Spanjaykumar wrote:Maine bhi 6 Months Pehle Applied kIya Tha But Unhone VKYC Link Ke Sath Hi Upload Documents Ka Bhi Link Diya Tha....Tab Maine VKYC Nhi Kiya.... Although Main Serviceable Area Main Rahta Tha But Aadhar Address Non Serviceable Tha..... Isliye ignore kar diya... Unhone Bahut Call/Sms/E-mail Bheje....But Main Bola Income Documents Nhi Dunga....Aaj Tak 10 banks ke cards hai unko nhi diye tumko kyun du.... kyunki ITR Hi 5L ki Thi😉
Karke dekh lena chaiye tha bhai shayd ho bhi jata.
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