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 ?

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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.

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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.

Can we get reward points only upto assigned limit. If we have limit of 50k then we only get reward points for spending upto 50k. Indusind credit card have this policy. Not know about any other bank that provide this bad facility.

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pingpong wrote:

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? 🙂

Ac

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m0n3y5av0r wrote:

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

Yes Received 5%

@panchabhut

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.

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beastboy wrote:

@panchabhut

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.

No u r wrong, I am the example for u. But if u still not agree with me then its ok for me.

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m0n3y5av0r wrote:

No u r wrong, I am the example for u. But if u still not agree with me then its ok for me.

you get lucky I guess. Most users in similar cases reported either restriction of points or point reversal in next billing cycle.

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panchabhut wrote:

you get lucky I guess. Most users in similar cases reported either restriction of points or point reversal in next billing cycle.

bro for maximum benefit can we buy voucher to get 5% CB
then before bill generation pay that amount to again get the CC limit back
and then make the purchase by using the voucher + the complete CC limit
to get rewards of 5% again on the complete CC payed amount ?

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beastboy wrote:

bro for maximum benefit can we buy voucher to get 5% CB
then before bill generation pay that amount to again get the CC limit back
and then make the purchase by using the voucher + the complete CC limit
to get rewards of 5% again on the complete CC payed amount ?

you can always keep buying GV over multiple billing cycles, within the credit limit and then keep paying back after bill is generated. But that requires long term planning over 2-3 billing cycles.

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