is it worth to take rubyx card with annual and joining fee zero?
13 days left
Hot Deal

Getting upgrade to ICICI rubyx credit card with zero annual and joining fees

1412°
Deal Cadet
manish2410773
Got the notification of credit card upgrade from ICICI mobile app.

I can see 3 cards to choose, one ICICI rubyx card is available to upgrade for free with no joining and annual fee.

Should I go with that?

I currently have ICICI Amazon pay, ICICI platinum and rupay card.

Thanks in advance 🙂🙂
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.
Top Comments
Freebie Finder Freebie Finder
Link Copied

Here All Paid Showing

1. Sapphiro Mastercard- Dual Card (6500+3500)

2. MMt Signature

3. MU Signature

Comrade Comrade
Link Copied

3 cards all paid. I have two cards they will upgrade which card? Apay or platinum? Any idea

Crowdpuller Crowdpuller
Link Copied

Why to worry about which card they will upgrade wheb icici does not close any credit card without your request...

102 Comments  |  
41 Dimers
  • Sort By
Benevolent Benevolent
Link Copied

Yes 

Deal Cadet Deal Cadet
Link Copied

i am also getting

if i don't upgrade, is there any chance to get sapphiro in future ?

Deal Cadet Deal Cadet
Link Copied

Not sure they will give this premium card for free

View 5 more replies
Crowdpuller Crowdpuller
Link Copied

What are 2 other cards? Fee on them?

Deal Cadet Deal Cadet
Link Copied

2. MU signature visa. Joining fee and annual fee: 2499 plus gst.

3. Mmt signature visa. Joining fee: 2500 + gst. Zero annual fee

Freebie Finder Freebie Finder
Link Copied

Here All Paid Showing

1. Sapphiro Mastercard- Dual Card (6500+3500)

2. MMt Signature

3. MU Signature

Deal Cadet Deal Cadet
Link Copied

Few months back I was getting the same options. Then after sometime only the last 2 and now these 3

View 1 more reply
Deal Cadet Deal Cadet
Link Copied

@abhishek012

in upgrade i am getting icici hpcl super saver cc option

how to get rupay variant and how to convert it to ltf ?

Finance Ninja Finance Ninja
Link Copied
Contact ICICI bank na.
View 22 more replies
Comrade Comrade
Link Copied

3 cards all paid. I have two cards they will upgrade which card? Apay or platinum? Any idea

Crowdpuller Crowdpuller
Link Copied

Why to worry about which card they will upgrade wheb icici does not close any credit card without your request...

View 8 more replies
Deal Captain Deal Captain
Link Copied

Why Manchester united paid, just wondering?

Tell me how you are putting it to good use with such annual fee. TIA

Deal Newbie Deal Newbie
Link Copied

My apay ICICI cc is now almost 3 yo old!! But still haven't got any upgrade offers!! Any way to get ?

Deal Cadet Deal Cadet
Link Copied

I think u should get any other card too LTF first like platinum. Not sure based on apay card the offer upgrade

View 2 more replies
Crusader Crusader
Link Copied

Showing all paid cards..

Sapphiro

ManU

HPCL fyf

Anyways to get sapphiro as LTF?

Benevolent Benevolent
Link Copied
I am getting Saphario dual as LTF thru iMobile but same is shown paid when checked thru netbanking.

  • Not sure if its indeed LTF.
  • And even if its LTF, should i go take it ? is there any benefits as I am already holding Coral visa, Coral rupay & apay all ltf. As RP are exactly same.
View 8 more replies
Helpful Helpful
Link Copied

@manish2410773 your credit limit was?

Deal Cadet Deal Cadet
Link Copied

5,80,000

Deal Hunter Deal Hunter
Link Copied

sapphiro is showing paid, no Rubyx

Generous Generous
Link Copied

How do people get upgrade to a different card?

More than 5.5 years and I've always been getting upgrade to these 3 cards (all paid) :
- Sapphiro
- Manchester United
- MakeMyTrip (Visa Signature)

Eyeing Sapphiro LTF since a long time now but no luck yet.

P.S. Currently holding Amazon Pay, Platinum and Coral RuPay ... all LTF.

Benevolent Benevolent
Link Copied
I think upgrade depends on limit of your current cc, if curr cc has same limit on which Saphario is provided then Saphario will be given as an upgrade.
but for LTF ICICI do akad bakkad
View 3 more replies
Deal Cadet Deal Cadet
Link Copied

I have the same cards. And for some time I got.these same choices and sometimes the last 2 only as well. So they keep updating the offers

Deal Cadet Deal Cadet
Link Copied

SMS CRLIM <last 4 digits of card> to <5676766> Credit limit will be increased to maximum available credit limit for eligible customers.

CRLIM 1234

Deal Cadet Deal Cadet
Link Copied

I have all appearing paid...2500 join fee+2500 yearly

Deal Cadet Deal Cadet
Link Copied

Which is better between rubyx and sapphiro?

Generous Generous
Link Copied

Sapphiro

Firestorm Firestorm
Link Copied

I am getting

Rubyx (LTF)

HPCL - fyf then 500

MU - fyf then 2500

Should I wait for sapphiro or go for rubyx. My limit is 5L across all cards.

Deal Cadet Deal Cadet
Link Copied

I have upgrade option to Emarald card for 12.5k annual fee 😂.

Even I dont have much with icici, yet they offered me their best card. I wish hdfc gives me infinia for same annual fee as upgrade from diners.

Card

Joining Fee

Annual Fee

Platinum Chip Credit

None

None

Coral Credit

Rs 500 + GST

Rs 500 + GST

Rubyx Credit

Rs 3,000 + GST

Rs 2,000 + GST

Sapphiro Credit

Rs 6,500 + GST

Rs 3,500 + GST

Emerald Credit

Rs 12,000 + GST

Rs 12,000 + GST

Deal Newbie Deal Newbie
Link Copied

I'm not getting rubyx card option. 

Critic Critic
Link Copied

Where to check this upgrade offer in imobile?

Crusader Crusader
Link Copied

Under cards and forex section in imobile app .
Will show only if offer is available..

Deal Newbie Deal Newbie
Link Copied

Got Emarald Card LTF as upgrade, grabbed instantly smile

Benevolent Benevolent
Link Copied
is it dual cc like Saphario/Rubyx ?
View 2 more replies
Post Emperor Post Emperor
Link Copied

Any bank allows apply paper based application form for credit card ...?

Deal Cadet Deal Cadet
Link Copied

How much time it take to upgrade and how to confirm if card is indeed lifetime free

Deal Newbie Deal Newbie
Link Copied

MMT card ke shopping pe points nehi milte

Deal Newbie Deal Newbie
Link Copied

I have 6 cards with ICICI, all of them are LTF. from time tot time you will get the offer

Deal Cadet Deal Cadet
Link Copied

Nowadays, they are directly issuing LTF Sapphiro through the branch itself.

Deal Newbie Deal Newbie
Link Copied

all showing not lft 😭

Deal Newbie Deal Newbie
Link Copied

Got offer Sapphiro LTF in imobile and applied without late. I don't know whether any of 3 existing card will be closed.

Crusader Crusader
Link Copied

Afaik ICICI generally doesn't close cards on upgrade..

PS: there will always be exceptions..

View 1 more reply
Deal Newbie Deal Newbie
Link Copied

Hi i generated card through Mobile app. But card still not showing in credit card section. Does anyone know how much time will it take to show up there? in Cards section?

Crusader Crusader
Link Copied

Will show in imobile app after midnight..u can try at 1am..

Should show up in net banking now..

replyuser
Click here to reply
Reply