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ICICI pre-approved Credit Card - how to trigger?

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Deal Cadet
gischethans

I am having an ICICI Savings Account (~10 year old, Gold privilege) and ICICI Amazon Pay Credit card (~3 years) now. Till date under pre-approved offers I have not received a LTF CC offer. What puzzles me is I am eligible for a multitude of loan offers – home, car etc. but not CC offer. Hence wanted to know from Dimers regarding possible criteria to get a pre-approved LTF CC from ICICI. I should also add that the branch is semi-urban/rural in my case.

I tried reaching the RM and was told that they can give me a Coral LTF on submission of documents – I guess they might even need an income proof. Reached customer care on Twitter and phone call and both suggested getting a Platinum LTF through branch. They categorically stated that they can’t trigger a pre-approved offer from their end cry

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Deal Subedar Deal Subedar
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What’s savings account interest payout of your last quarter?

Deal Lieutenant Deal Lieutenant
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Following.
what kind of relation does icici need for LTF trigger. I know platinum is LTF already but looking for some higher variant.

Like Magnet Like Magnet
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Tell RM u are closing account if do not get it.

Jus kidding laughing

Deal Subedar Deal Subedar
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Once u receive the amazon pay cc then u will not be given any other pre approved cc anymore.

Same happened with my friend he was given rubyx LTF but he didn’t apply and took amazon pay instead.
Ever since then he is not give any pre-approved icici cc.

Deal Lieutenant Deal Lieutenant
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akki.akki wrote:

Once u receive the amazon pay cc then u will not be given any other pre approved cc anymore.

Same happened with my friend he was given rubyx LTF but he didn’t apply and took amazon pay instead.
Ever since then he is not give any pre-approved icici cc.

So I will close Apay CC

Chennai Super Kings Chennai Super Kings
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Is this the reason I’m not receiving an upgrade offer for my coral card? @akki.akki

Deal Cadet Deal Cadet
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You already have apay card so there is least chances of getting pre approved cards from ICICI. Go branch & tell them if they can process credit card application without Income documents.

Deal Cadet Deal Cadet
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Tanmayyy wrote:

Is this the reason I’m not receiving an upgrade offer for my coral card? @akki.akki

Probably yes, I closed my platinum fd card a month back & waiting for getting unsecured card offer, but I don’t think they are going to give me.

Deal Subedar Deal Subedar
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I got Sapphiro LTF in less than 2 years of banking relationship

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

I got Sapphiro LTF in less than 2 years of banking relationship

How much money in account, MAB, transaction volume good?

Deal Subedar Deal Subedar
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decideaim wrote:

How much money in account, MAB, transaction volume good?

It was my primary bank so transaction volume was always high. My every month statement goes long upto 7 or 8 pages. Though single transaction value was always below 50K except 1 or 2 transactions above 1L per month. MAB was always above 1L and 2L sometimes.

Deal Subedar Deal Subedar
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akki.akki wrote:

Once u receive the amazon pay cc then u will not be given any other pre approved cc anymore.

Same happened with my friend he was given rubyx LTF but he didn’t apply and took amazon pay instead.
Ever since then he is not give any pre-approved icici cc.

This is totally correct. I verified this statement multiple times with ICICI bank representative and cc.

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

This is totally correct. I verified this statement multiple times with ICICI bank representative and cc.

What if i close Apay, do you think there is hope?

Deal Subedar Deal Subedar
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Keep balance of around 2L+ for 2 months and/or do debit card/ internet banking/transfer of funds. You’ll sure shot get Sapphiro LTF. Tried and tested formula. Usually offer will come in 45 days.

Deal Subedar Deal Subedar
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decideaim wrote:

What if i close Apay, do you think there is hope?

There will be a cooling period for sure. After that you will again get a pre-approved offer for CC. This is confirmed by someone in cardexpert website so I am not sure.

Deal Subedar Deal Subedar
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chantz wrote:

Please Visit
https://www.desidime.com/deals/applied-for-icic...

MMT is LTF except for the joining fee. You can’t get a card from gemstone collection as LTF if you avail amazon pay card as your first ICICI card. With good ITR, you can get any card from ICICI by paying the fee. Sapphiro is one of their premium card costing 3500 annually but honestly it’s not even worth for 500 annually.

Deal Subedar Deal Subedar
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decideaim wrote:

So I will close Apay CC

dont close apay cc. instead apply for platinum cc which is also ltf.
becoz except apay cc all icici cc are have same useless rewards/benefits.

Deal Subedar Deal Subedar
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akki.akki wrote:

dont close apay cc. instead apply for platinum cc which is also ltf.
becoz except apay cc all icici cc are have same useless rewards/benefits.

The day they terminate their partnership with payback and introduce their own rewards system, that’s when icici will be good in terms of rewards otherwise it’s only useful for bank offers. Be it Sapphiro or Platinum nothing changes in a big way as akki says.

Deal Subedar Deal Subedar
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akki.akki wrote:

Once u receive the amazon pay cc then u will not be given any other pre approved cc anymore.

Same happened with my friend he was given rubyx LTF but he didn’t apply and took amazon pay instead.
Ever since then he is not give any pre-approved icici cc.

That’s very strange to hear about it.
I mean what logic do they apply to this?
We have bank ac with them
We have APAY CC
Then what’s stopping them?

Really want to know if anyone can enlighten me on this.

Deal Subedar Deal Subedar
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TechnoFrendz wrote:

That’s very strange to hear about it.
I mean what logic do they apply to this?
We have bank ac with them
We have APAY CC
Then what’s stopping them?

Really want to know if anyone can enlighten me on this.

this is how there system is designed.

I’ll tell u one more secret : even if you have 2 icici cc then also there is no guarantee that limit among these cards will same.

Deal Lieutenant Deal Lieutenant
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got coral ltf from icici and i don’t have icici bank account. Icici bank staff contacted me and he continuously bugged me for 1 month to take cc. 

is this card have any value? I don’t find any interesting reward system for this card. 

Deal Subedar Deal Subedar
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Bk100 wrote:

got coral ltf from icici and i don’t have icici bank account. Icici bank staff contacted me and he continuously bugged me for 1 month to take cc. 

is this card have any value? I don’t find any interesting reward system for this card. 

None of the gemstone icici cards have any value in regards to rewards points. It’s the worst of the worst. Only useful for bank offers.

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

None of the gemstone icici cards have any value in regards to rewards points. It’s the worst of the worst. Only useful for bank offers.

only positive thing is it is ltf. 😂

p.s -  how should I manage it’s settings as I don’t able to register at I mobile  app as I am not icici bank customer. 

Deal Cadet Deal Cadet
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akki.akki wrote:

Once u receive the amazon pay cc then u will not be given any other pre approved cc anymore.

Same happened with my friend he was given rubyx LTF but he didn’t apply and took amazon pay instead.
Ever since then he is not give any pre-approved icici cc.

this seems to be valid for upgrades as well, I have platinum credit card and around 2019-20 they offered me free upgrade to Sapphiro which I didn’t took as I was not much interested during that time and I used to see all the upgrade offers directly in imobile app itself  but once I took amazon pay cc I am no longer seeing any upgrade offer or not even getting any calls asking for upgrade 
Today I just got a call for upgrade to MMT signature with joining fee which I rejected and they told i don’t have any other pre-approved offers as of now/

Chennai Super Kings Chennai Super Kings
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prem4998 wrote:

None of the gemstone icici cards have any value in regards to rewards points. It’s the worst of the worst. Only useful for bank offers.

Can someone please tell which out of the below icici ccs is good.


Rubyx vs Sapphiro vs MMT vs Manchester United


Primary usage is for online shopping/bill payments/movie tickets.

Deal Subedar Deal Subedar
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BBal wrote:

Can someone please tell which out of the below icici ccs is good.


Rubyx vs Sapphiro vs MMT vs Manchester United


Primary usage is for online shopping/bill payments/movie tickets.

Sapphiro visa gives 2 B1G1 per month upto 500 per ticket and it’s the top level card in ICICI except for emeralde and diamant which is invite only.

Rewards points are same in all gemstone cards. ICICI cards are never known for anything except for bank offers. So nothing much to say.

Chennai Super Kings Chennai Super Kings
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prem4998 wrote:

Sapphiro visa gives 2 B1G1 per month upto 500 per ticket and it’s the top level card in ICICI except for emeralde and diamant which is invite only.

Rewards points are same in all gemstone cards. ICICI cards are never known for anything except for bank offers. So nothing much to say.

Got it, thanks for your reply.
Any goodthing about MMT or Manchester United cards?

Deal Subedar Deal Subedar
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BBal wrote:

Got it, thanks for your reply.
Any goodthing about MMT or Manchester United cards?

MMT is a co-branded card so some good offers on MMT. You can read about it in ICICI website. Regarding Manchester, I have no idea why it’s still in the market. I don’t know much about these 2 cards as they have no real value for a user like me.

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