Icici insta credit card offer

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Last comment 2021-01-19

Deal Lieutenant

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2021-01-12

I am getting a insta credit card offer from icici with 1.1 lakh limit. Never heard of this offer before. Is it preapproved one. Showing as approved in 3 steps where first step is showing various cards where only coral showning as nil joining and annual fees. Should i go for it?
Edit: Yes this is preapproved offer. Got the card generated instantly and physical one dispatched.
Those looking for preapproved offer from icici I will mention what i did. But it is not sure shot to get but one can try.
1) Opened silver account with 25k mab.
2) Maintained 1 lakh above Mab.
3) Opened 3 fd, 1 money multiplier linked to account and 2 normal.
4) Transacted with my sbi and hdfc credit card and paid those bills from Mobikwik and dhani with icici debit card.
5) Got pre-qualified offer. Did not applied for that.
6) Received 3-4 calls from icici in around 8 or 9 month for applying for fd based card. Told them not interested in fd card.
7) Now finally got preapproved offer and card generated instantly in half of 11 months.

37 Comments |

12 Dimers

Deal Cadet

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danishali2020443 2021-01-12

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I think it’s pre approved go for it

Deal Cadet

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Sudarshan61 2021-01-12

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Yes this is pre-approved.
Go for it if you need it ..having ICICI card means way better chance of getting Amazon pay card

Deal Lieutenant

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Alexios 2021-01-12

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Sudarshan61 wrote:
Yes this is pre-approved.
Go for it if you need it ..having ICICI card means way better chance of getting Amazon pay card

Thanks for the info.

Deal Lieutenant

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caks2006407 2021-01-12

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get it, next stop is Apay ICICI

Deal Lieutenant

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Alexios 2021-01-12

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caks2006407 wrote:
get it, next stop is Apay ICICI

Sure, finally reached this step.

Deal Cadet

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SastaRaju 2021-01-12

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Iif you dont mind me asking how old is your account and what balance did you maintain to get the offer ?

Deal Cadet

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VimAl_Raj 2021-01-12

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SastaRaju wrote:
Iif you dont mind me asking how old is your account and what balance did you maintain to get the offer ?

+1

Deal Cadet

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VimAl_Raj 2021-01-12

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Alexios wrote:
Sure, finally reached this step.

Competed 3 steps? Instant approval?

Deal Lieutenant

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Alexios 2021-01-12

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SastaRaju wrote:
Iif you dont mind me asking how old is your account and what balance did you maintain to get the offer ?

10 months now, 25k mab account. Maintained above 1 lakh. Did 3 fd. Regular transaction every month.

Deal Lieutenant

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Alexios 2021-01-12

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VimAl_Raj wrote:
Competed 3 steps? Instant approval?

Not yet, will see. I meant got preapproved offer after rejection of apay, and pre-qualified offer

Deal Cadet

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VimAl_Raj 2021-01-12

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Alexios wrote:
Not yet, will see. I meant got preapproved offer after rejection of apay, and pre-qualified offer

In ICICI .it’s pre qualified not pre-approved.. Even if u complete all those 3 steps..u vil b contacted.. Then only final approval..

Deal Lieutenant

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Alexios 2021-01-12

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VimAl_Raj wrote:
In ICICI .it’s pre qualified not pre-approved.. Even if u complete all those 3 steps..u vil b contacted.. Then only final approval..

Okay. Then it is not worth.
Edit : it was preapproved

Deal Cadet

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SastaRaju 2021-01-12

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Alexios wrote:
Not yet, will see. I meant got preapproved offer after rejection of apay, and pre-qualified offer

Same my apay was rejected , got pre qualified offers and recently some stupid 2 wheeler and personal loan pre aproved

Hoping for a CC offer

Deal Cadet

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Sudarshan61 2021-01-12

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VimAl_Raj wrote:
In ICICI .it’s pre qualified not pre-approved.. Even if u complete all those 3 steps..u vil b contacted.. Then only final approval..

Not true…
My partner account got pre-approved last month for Rubxy card…it is instant card in like 10 mins (Virtual card gets generated). Dispatched and delivered in 10 days.

Deal Cadet

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SastaRaju 2021-01-12

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Alexios wrote:
Okay. Then it is not worth.

Check in website it shows whether pre approved or not. Plus if you get Nil joining/annual fees on coral its pre approved , my friend got the same offer . It will show the CC limit too . Just swipe and instant card is generated no verification

Deal Cadet

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VimAl_Raj 2021-01-12

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Sudarshan61 wrote:
Not true…
My partner account got pre-approved last month for Rubxy card…it is instant card in like 10 mins (Virtual card gets generated). Dispatched and delivered in 10 days.

Ok.. Let him try n confirm

Deal Lieutenant

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cadence 2021-01-12

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SastaRaju wrote:
Check in website it shows whether pre approved or not. Plus if you get Nil joining/annual fees on coral its pre approved , my friend got the same offer . It will show the CC limit too . Just swipe and instant card is generated no verification

Right, it’ll show the amount & variants of card. It’s pre-approved.

Deal Cadet

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SastaRaju 2021-01-12

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VimAl_Raj wrote:
Ok.. Let him try n confirm

If card limit shows its always pre approved my rm told me

Deal Cadet

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VimAl_Raj 2021-01-12

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SastaRaju wrote:
Check in website it shows whether pre approved or not. Plus if you get Nil joining/annual fees on coral its pre approved , my friend got the same offer . It will show the CC limit too . Just swipe and instant card is generated no verification

U can even check with official WhatsApp no.. 86400 86400

Deal Lieutenant

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Simbha3 2021-01-12

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If i remember correctly the credit card generates instantly…go ahead and apply.

Deal Cadet

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akki.akki 2021-01-12

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go ahead..just make sure your address is updated in the account first as bank will dispatch the card to saved address.

Deal Lieutenant

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Alexios 2021-01-12

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Simbha3 wrote:
If i remember correctly the credit card generates instantly…go ahead and apply.

Yes thanks, just completed all steps. Just asked basic details in first step and on second step after proceeding card generated instantly with 1.1 lakh limit. Virtual card with number and cvv showing.

Deal Lieutenant

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Simbha3 2021-01-12

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Alexios wrote:
Yes thanks, just completed all steps. Just asked basic details in first step and on second step after proceeding card generated instantly with 1.1 lakh limit. Virtual card with number and cvv showing.

Nice. Now move those funds to axis or hdfc. smile

Deal Lieutenant

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Alexios 2021-01-12

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Simbha3 wrote:
Nice. Now move those funds to axis or hdfc.

stuck_out_tongue_winking_eye

Will move to idfc now. Axis bank has already sufficient balance. Already own hdfc by this technique.

Deal Cadet

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SastaRaju 2021-01-12

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Simbha3 wrote:
Nice. Now move those funds to axis or hdfc.

Axis is a Chutiya bank , trolls/unpar gawar are present in CC
Ask them what they ate they will reply with how their shit looks like

Deal Lieutenant

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cadence 2021-01-12

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Alexios wrote:
Not yet, will see. I meant got preapproved offer after rejection of apay, and pre-qualified offer

When was your APay rejected? Any substantial change in credit score since then?

Deal Lieutenant

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Alexios 2021-01-12

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cadence wrote:
When was your APay rejected? Any substantial change in credit score since then?

It was year since then. Credit score did not tilted much after that rejection also. Now it came to know 783. It dropped to 760 before.

Deal Cadet

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geni 2021-01-12

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U maintained so much minimum balance money for credit card?
Do u think its worth?

Deal Lieutenant

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Alexios 2021-01-13

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geni wrote:
U maintained so much minimum balance money for credit card?
Do u think its worth?

Maintained just to be on safe side. Will not be maintaining anymore. 1 lifetime free icici cc is worth to have.