Icici insta credit card offer

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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? https://cdn0.desidime.com/attachments/photos/659449/medium/Screenshot_20210112-215829.jpg?1610469141
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  |  
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Deal Cadet
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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

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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.

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caks2006407 wrote:

get it, next stop is Apay ICICI

Sure, finally reached this step.

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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 ?

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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

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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.

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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

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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..

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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

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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

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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.

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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

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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

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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.

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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

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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

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

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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.

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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.

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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

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Simbha3 wrote:

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

stuck_out_tongue_winking_eye Will move to idfc now. Axis bank has already sufficient balance.  Already own hdfc by this technique.
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Simbha3 wrote:

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

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

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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?

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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.

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

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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.

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