Can I Make an Order of 45K Using My Apay ICICI Card With Limit of 35K ?

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Last Comment 2020-09-01

2020-08-30

Hi Guys, Need to make a purchase on Amazon,
Prime is activated on my brothers account , however his Apay Credit Card Limit is only 35K
and the purchase amount is approximately 43K.. Is there any way to make a full payment with this card ?
I do have APAY ICICI CC with a decent limit and can easily make the order..
but the Cashback amount will reduce to 3%

Another point I want to understand is that the Apay Card is linked to your Amazon Account ,
so in case you make a purchase using Your Apay Card on Some Other Amazon account
will it give you 3% CB or 1% CB, has anyone tried it yet ?

37 Comments |

15 Dimers

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https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894212

BubbleBoyChickenLittle

2020-08-30

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Make advance payment of 8k to your amazon cc. Then do this 43k Txn.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894440

beastboy

2020-08-31

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Yeah was thinking of doing the same however amazon CC is telling ,
its not possible.. no idea if they are unaware of it or simply telling to get rid of the situation.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894308

hiteshu1

2020-08-30

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and be ready for card block

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894451

beastboy

2020-08-31

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any personal experience bro…
Asking in case i need to make a purchase this way..
one of the CC suggested to load amazon balance and then make a payment of 35k
but the apay balance wont fetch the 5% CB
Is the Amazon voucher purchase using the Apay Credit Card with 5% CB still working

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Demondealer

2020-08-31

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its possible, if tis just 1 time nothing will happen, i did 2.20lack order using 1.82lack card

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894676

caks2006407

2020-08-31

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So it was one single order of Rs2.2lacs on Amazon, to be more specific OTP received for Rs2.2lacs?
OP:
I used card 150% 2-3 times by topping up before order card is safe.
Say my card limit is Rs1lac my orders were like 30k,40k,55k never a single order was more than Rs1lac(Card limit)

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nimod

2020-08-31

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Use gv.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894537

insta

2020-08-31

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+1,
u can easily get 8kgv @ 2%. Just a loss of 240rs. Dont risk the card

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MoneySaver09

2020-08-31

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No issue for 1 time or 2 time personal experience

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894974

beastboy

2020-08-31

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how you processed the transaction bro

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sidd12

2020-08-31

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Many dimers have reported that amazon pay card is giving 5% cashback on purchase of amazon gift vouchers too. Firstly, you can buy Amazon voucher worth Rs 8k from you Amazon pay card and then add these 8k to your wallet.

Secondly, credit back the debited 8k amount to your credit card by bill payment of Rs 8k and after that when the limit of card is brought back to full 35k, you can now make your payment of rs 43k which will be Rs 35k from your card and 8k from azp wallet.

In this way, You won’t loose any cashback amount and will get your desired product also.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894690

beastboy

2020-08-31

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5% cb still working on Amazon GV ?

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sidd12

2020-08-31

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Don’t fund your your card with 8k advance because ICICI will
withhold your transaction stating Security Reasons.
Your card may get blocked if you try this multiple times.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894580

krish21

2020-08-31

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Buy Amazon Gift Card of difference amount at 3% off on Gyftr using Mobikwik Blue Card.,you can earn 300 payback points for 10k as well..

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6894693

beastboy

2020-08-31

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Where to get this Mobikwik Blue Card ?

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6895414

Sushil_patwari

2020-08-31

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And if by any chance it’s blocked you can just call customer care and tell them actual reason for excess spending.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6895587

panchabhut

2020-08-31

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ICICI limits cashback to credit limit. If credit limit is 35K, cashback will be calculated on the basis of 35K only, including all other transactions during the billing cycle. So for limit of 35K and prime account transaction, max cashback will be restricted to 1750 for a billing period, even if you make advance payment and then make transaction of 45K.
In addition, the card account will be flagged and ICICI may at their discretion, block the card.
Better to buy 8K GV from your account as gift to your brother’s account, load it to your brother’s APay and then pay the remaining amount by ICICI card. If your brother has already used the card for some other transactions during current billing period, then the GV amount will need to be further increased.

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6895608

beastboy

2020-08-31

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This cleared the cloud and picture a lot , hope it will help other dimers too..
btw bro.. here personal experience is speaking or you know someone who faced this issue… wink

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pingpong

2020-08-31

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Don’t go for exceeding card limit option. Too many risks / unknowns.
Just this month bought gv using card n got 5% cb (i’m a prime member).
One more suggestion: buy 12-15k gvs. Not 8k bcoz maxing our card will hit credit score.
Btw what ru buying? 🙂

https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6896164

beastboy

2020-08-31

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https://www.desidime.com/discussions/can-i-make-an-order-of-45k-using-my-apay-icici-card-with-limit-of-35k?page=1#post_6895986

pikkuboss

2020-08-31

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Wanna take my suggestion? Just take one month prime at 129 or take 3 months prime coupon selling at 150-200 from trading section. That’s it. If you spend 45k on a 35k limit card, his credit score will take a dump too.