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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 Lieutenant Deal Lieutenant
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decideaim wrote:

So I will close Apay CC

Closed APay, waiting for offers to trigger sweat_smile joy

Finance Ninja Finance Ninja
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decideaim wrote:

Closed APay, waiting for offers to trigger sweat_smile joy

See you after 6 months here stuck_out_tongue_winking_eye

Deal Lieutenant Deal Lieutenant
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It’s already 2 months, so just 4 months to go

Finance Ninja Finance Ninja
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decideaim wrote:

It’s already 2 months, so just 4 months to go

Maybe. 6 more or 2 more, not even god knows joy

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

Maybe. 6 more or 2 more, not even god knows joy

Yeah but i should see that the account has good balance

Deal Cadet Deal Cadet
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@prem4998 @decideaim @shraaj;@akki.akki @Mufasa

Bhai.. I have 6 months old Icici instant platinum card. Icici account is also 6 months old. I want to get Amazon icici card as well as one other icici card. What should I do? Close fd based platinum card and wait for pre approved offer or apply for amazon card, as I don’t have any other rewarding card right now?

Finance Ninja Finance Ninja
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decideaim wrote:

Yeah but i should see that the account has good balance

Yes, make sure to do transactions often. Combination of debit card and upi and neft.

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

@prem4998 @decideaim @shraaj;@akki.akki @Mufasa

Bhai.. I have 6 months old Icici instant platinum card. Icici account is also 6 months old. I want to get Amazon icici card as well as one other icici card. What should I do? Close fd based platinum card and wait for pre approved offer or apply for amazon card, as I don’t have any other rewarding card right now?

Whatever other card you want it is better if you get it before going for Apay, as is the general consensus in this topic

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

@prem4998 @decideaim @shraaj;@akki.akki @Mufasa

Bhai.. I have 6 months old Icici instant platinum card. Icici account is also 6 months old. I want to get Amazon icici card as well as one other icici card. What should I do? Close fd based platinum card and wait for pre approved offer or apply for amazon card, as I don’t have any other rewarding card right now?

I made mistake to take fd secured card with account opening . I closed it after 8 months. After closing got pre qualified corel card after 3 months. Maintained 50k for 1.5 months..

It was pre qualified not pre approved. Just submitted my address only.

Finance Ninja Finance Ninja
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Snapz wrote:

@prem4998 @decideaim @shraaj;@akki.akki @Mufasa

Bhai.. I have 6 months old Icici instant platinum card. Icici account is also 6 months old. I want to get Amazon icici card as well as one other icici card. What should I do? Close fd based platinum card and wait for pre approved offer or apply for amazon card, as I don’t have any other rewarding card right now?

If you want the pre-approved offer to trigger for gemstone cards then you should not hold any ICICI credit card at that time. Amazon CC alone won’t fulfill all bank offers so close your existing cards and actively use savings account with AMB above 2-3L for few months.

It will take 3-12 months for the offer to trigger.

Deal Lieutenant Deal Lieutenant
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bohemian wrote:

I made mistake to take fd secured card with account opening . I closed it after 8 months. After closing got pre qualified corel card after 3 months. Maintained 50k for 1.5 months..

It was pre qualified not pre approved. Just submitted my address only.

Is the coral LTF?

Deal Lieutenant Deal Lieutenant
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decideaim wrote:

Is the coral LTF?

Yes. Icici carpet bombard my inbox to give card. smile

Deal Cadet Deal Cadet
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prem4998 wrote:

If you want the pre-approved offer to trigger for gemstone cards then you should not hold any ICICI credit card at that time. Amazon CC alone won’t fulfill all bank offers so close your existing cards and actively use savings account with AMB above 2-3L for few months.

It will take 3-12 months for the offer to trigger.

Bhai.. 2-3 lakhs to nhi rakh paunga.

Deal Cadet Deal Cadet
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bohemian wrote:

I made mistake to take fd secured card with account opening . I closed it after 8 months. After closing got pre qualified corel card after 3 months. Maintained 50k for 1.5 months..

It was pre qualified not pre approved. Just submitted my address only.

I’ll do the same @bohemian
Will close fd based card and wait for pre approved offer to trigger, before applying for amazon card. @decideaim

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

Bhai.. 2-3 lakhs to nhi rakh paunga.

Rak Lia tho sapphiro LTF mil jaayega kya shayad
@prem4998 any chance of sapphiro LTF with that kind of balance

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

I’ll do the same @bohemian
Will close fd based card and wait for pre approved offer to trigger, before applying for amazon card. @decideaim

I closed 3 icici cards and now waiting for the landmine to trigger smile

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

I’ll do the same @bohemian
Will close fd based card and wait for pre approved offer to trigger, before applying for amazon card. @decideaim

Right. I got call for amazon card…after 1 week of corel card. Not interested in amazon card yet

Finance Ninja Finance Ninja
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Snapz wrote:

Bhai.. 2-3 lakhs to nhi rakh paunga.

50k to 1L will get you Coral card. Below 50k I am not sure how long it will take for a gemstone card.

Finance Ninja Finance Ninja
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decideaim wrote:

Rak Lia tho sapphiro LTF mil jaayega kya shayad
@prem4998 any chance of sapphiro LTF with that kind of balance

I got Sapphiro LTF with 2.2L balance for 2-3 months. It was unintentional though.

Deal Cadet Deal Cadet
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prem4998 wrote:

50k to 1L will get you Coral card. Below 50k I am not sure how long it will take.

I can keep above 50k.. coral hi trigger ho jaaye 🙏

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

I got Sapphiro LTF with 2.2L balance for 2-3 months.

Okay i will transfer and do transactions just using that account

Deal Lieutenant Deal Lieutenant
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Snapz wrote:

@prem4998 @decideaim @shraaj;@akki.akki @Mufasa

Bhai.. I have 6 months old Icici instant platinum card. Icici account is also 6 months old. I want to get Amazon icici card as well as one other icici card. What should I do? Close fd based platinum card and wait for pre approved offer or apply for amazon card, as I don’t have any other rewarding card right now?

you can get apay cc based on fd cc. but moment you get apay cc then you might not be able to get any other cc.
so i would suggest you to 1st get another non fd cc then apply for apay cc.

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

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.

I hardly had 5 txn thru out the month still got pre approved coral cc.

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

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

They are offering my LTF coral to upgrade into saphario. which i am not interested.

dont know why ICICI does not offer ltf upgrades ! confused

Deal Subedar Deal Subedar
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akki.akki wrote:

They are offering my LTF coral to upgrade into saphario. which i am not interested.

dont know why ICICI does not offer ltf upgrades ! confused

Akki bhai you are citizen of Canada, why collecting credit cards in india ?

https://cdn0.desidime.com/attachments/photos/745382/medium/8277850maxresdefault.jpg?1645453000

Deal Lieutenant Deal Lieutenant
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PappuPager wrote:

Akki bhai you are citizen of Canada, why collecting credit cards in india ?

https://cdn0.desidime.com/attachments/photos/745382/medium/8277850maxresdefault.jpg?1645453000

Aur aam kaise chusna mujhe pata hai

Finance Ninja Finance Ninja
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akki.akki wrote:

I hardly had 5 txn thru out the month still got pre approved coral cc.

But I got Sapphiro for actively using it more. That too without the intention of getting a CC.

Deal Lieutenant Deal Lieutenant
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Hi I’m getting options to upgrade to the one titanium and the one magnum. What happens if i opt one. Will I be charged for non maintenance of balance, if the balance ever drops down ??
@prem4998 are these accounts risky, should I just stick to my privelege account?

@Tanmayyy @Fanil @Sudarshan61

Finance Ninja Finance Ninja
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decideaim wrote:

Hi I’m getting options to upgrade to the one titanium and the one magnum. What happens if i opt one. Will I be charged for non maintenance of balance, if the balance ever drops down ??
@prem4998 are these accounts risky, should I just stick to my privelege account?

@Tanmayyy @Fanil @Sudarshan61

If you aren’t sure if you can maintain the MAB then stick with privilege account I’d say.

Finance Ninja Finance Ninja
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decideaim wrote:

Hi I’m getting options to upgrade to the one titanium and the one magnum. What happens if i opt one. Will I be charged for non maintenance of balance, if the balance ever drops down ??
@prem4998 are these accounts risky, should I just stick to my privelege account?

@Tanmayyy @Fanil @Sudarshan61

Don’t ever do manual upgrades. They will charge you for non-maintenance. There is no worthy benefits in it. Let it upgrade itself.


Currently I am in Titanium auto upgraded and my account being a zero balance no charges so far.

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