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

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

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and be ready for card block

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BubbleBoyChickenLittle wrote:

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

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.

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hiteshu1 wrote:

and be ready for card block

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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beastboy wrote:

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

I do not know that 5% cashback on voucher is still working or not but icici has started blocking Amazon pay card and in most of the cases they are used over limits

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

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Use gv.

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nimod wrote:

Use gv.

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

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No issue for 1 time or 2 time personal experience

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insta wrote:

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

was about to suggest

make partial payment with wallet and rest with card.

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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.

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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.

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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..

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Demondealer wrote:

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

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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sidd12 wrote:

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.

5% cb still working on Amazon GV ?

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kirranq143 wrote:

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..

Where to get this Mobikwik Blue Card ?

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sidd12 wrote:

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.

+1 @beastboy

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caks2006407 wrote:

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)

yes, amazon.com not indian site. so no otp

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m0n3y5av0r wrote:

No issue for 1 time or 2 time personal experience

how you processed the transaction bro

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beastboy wrote:

how you processed the transaction bro

As usual, just pay the excess amount and place order.

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hiteshu1 wrote:

and be ready for card block

Card will not be blocked just for 8k excess amount. You can go through the process. Don’t worry. If you repeatedly spend money beyond your limit and in bigger ways just like 10 lakh per month then your card will be blocked.

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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.

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beastboy wrote:

excess amount comes under overdraft facility , which ICICI will charge at 2.5%
with minimum fees of 300
https://www.icicibank.com/terms-condition/tnc-f...

They will levied if we use more then we have. In my case I already paid excess then use. Means I don
T have to pay anything extra. For unr kind information, my bill was generated and all the transactions settled nothing pending and the cash was already settled in my Amazon Account.

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m0n3y5av0r wrote:

They will levied if we use more then we have. In my case I already paid excess then use. Means I don
T have to pay anything extra. For unr kind information, my bill was generated and all the transactions settled nothing pending and the cash was already settled in my Amazon Account.

Cool… thats quite interesting bro.. thanks for the Infomation..
If I am not wrong.. you followed these steps
1. Added the money to your Apay ICICI using the bill pay option
2. Made the order on Amazon Using Apay ICICI paying the complete amount
3. Settled the amount before the bill generation

One additional thing i want to know did you received the 5% Amazon Cashback on the complete paid amount ?

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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.

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panchabhut wrote:

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.

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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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? 🙂

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beastboy wrote:

Cool… thats quite interesting bro.. thanks for the Infomation..
If I am not wrong.. you followed these steps
1. Added the money to your Apay ICICI using the bill pay option
2. Made the order on Amazon Using Apay ICICI paying the complete amount
3. Settled the amount before the bill generation

One additional thing i want to know did you received the 5% Amazon Cashback on the complete paid amount ?

Yes Received 5%

Missing