ICICI Coral Card
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I have taken ICICI Coral Card 1.5 years back looking at the bms 1+1 offer, I am not a ICICI savings account holder, so applied cc from the website, I insisted the customer care agent that I will take the card only if it was LTF, as I was holding regalia LTF with 4L limit. The agent agreed and sent the executive to collect documents. I got a verification call from icici and was told to reply from my office email. But due to my company restrictions I was not able to send email to other domains. I told them that I would send them a copy of my office ID, they didn’t reply but the card was approved with 3L limit.
But after 1 month I was charged joining fee of 500+GST, I thought that joining fee is required for all and renewal fee would be zero. This was my mistake.
I was eligible for a amazonpay card, so took that card also, and moved most of the spends to this card, as this was giving me 1% flat cb.
Just 4-5 months after taking card the bms 1+1 offer was replaced with 25% off or something. I hardly used the card during covid, my purchases were around 25-30k for the year. I was charged 500+GST at the end of 1st year. Then I came to know that I was given a paid card.
So, currently I am holding a 0.25% reward card, with a bad bms offer card for 590rs, I thought of closing the card, but thought I will continue 5-6 months and then cancel before paying renewal fee.
Fellow Dimers, Can you suggest me some way to make this card LTF, or should I downgrade to platinum card or close this card completely and wait in future for any LTF card from ICICI.
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Call CC and tell them that, offers on which card was provided are not there anymore and at the time of taking the card you have clearly stated that you will take card only if it is LTF and agent misguided you. Still you paid joining fees in good faith. They will convert the coral card to LTF.
I have coral card and called CC in 2nd year when I was charged annual fee and told them I dont want card with fees, they said ok continue with the card you will not be charged. I have not been charged after that and fees was reversed
+1
This may not be possible all the time but there’s a chance.. especially when you make it clear that its the annual fees that you’re having problem with
This is a paid card, they won’t convert it into LTF. I had closed this card for the same reason 2 years back. As you already have Amazon Pay CC, better downgrade this to Platinum CC if they are offering it LTF, else close it…..
Closure of this card will not affect your Amazon Pay CC. @kkrulesdnation
Thanks for pointing out
I was in same situation with paid coral card. Wanted to downgrade to platinum. Called customer care and the raised a cancellation request and told the cancellation team will contact me amd give the downgrade option to platinum. Didnt got any call and after 4 days, the just closed the card 
. Any way got rid of that
Don’t cancel the card, if you place cancellation request your card will be cancelled
Suggestion to all as soon as you get new card and if you was promised ltf contact customer care to confirm annual charges.
Its better to clear mess at the beginning instead of waiting for a year
They provided this card as lifetime free to me and I have not submitted any documents,
Card generated online, I really like Railway lounge access feature of this card
Do you have account in icici? I mean how they offered ltf without documentation? Also what’s the best way to get this card or platinum chip card for life time free?
1.5 years ago, even I have taken ICICI coral credit card just for BMS 1+1 offer. Last year due covid19 theatres closed, I have asked the customer care executive for 1st year annual fee waiver, but he denied and then I have closed the Card just before end of 1st year.
After closing the card, I have started getting calls and I was informed that since I have closed the coral card, they are offering instant approval LTF coral card without documentation. Last month only I have got the new LTF coral card.
I will suggest you to do the same. Try your luck. @dmmkr
I was also informed by customer care executive that if anyone closed the credit card, they are offering the same credit card as LTF.
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Talk to customer care. Explain that u were fooled into non LTF card. They will surely help you out. Also check if you close this card then whether amazon card will still be in force or not.
I had platinum, they didnt increase limit so i closed it. Later they gave me coral LTF but limit is still same 50K