You are still lucky when compared to me
I am in tier 3 city and not even SBI or HDFC consider my location as open market for sourcing. HDFC though did something and sent their executive to my location from his service location which is nearly 90 kms from my place. His one day spent on me only but still the application got rejected. Not one bank provides card here(pre-approved) without good banking relationship. Now you are more lucky being in tier 1 city
Well your location is a problem it’s not bad luck. My cousin having salary account in ICICI had to go through this. ICICI branch guys approved his secured card with 10k limit luring him that he’ll get unsecured card easily. But when it came for approval for unsecured one they stopped responding.
Me on the other hand had a bitter experience with every bank for CC. Be it ICICI, HDFC, SBI, Axis or even small players like IndusInd, Yes and IDFC. I just got the cards with meagre limits applying after regular intervals of time and following up on mails, calls and writing to nodal officials