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ICICI pre-approved Credit Card - how to trigger?

726°
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 Cadet Deal Cadet
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decideaim wrote:

Okay i will transfer and do transactions just using that account

any particular reason you are focused on Sapphiro , is it for dragonpass membership? or for just being LTF? stuck_out_tongue_winking_eye

Deal Lieutenant Deal Lieutenant
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IamRage wrote:

any particular reason you are focused on Sapphiro , is it for dragonpass membership? or for just being LTF? stuck_out_tongue_winking_eye

For LTF i can settle with platinum. For the pass and BOGO movie

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

Lgta hai tumko ghar bulake coffee pilani padegi.

Deal Cadet Deal Cadet
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prem4998 wrote:

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.

how does Auto upgrade works ?

mine is salary account , would it get auto upgraded ?

Deal Cadet Deal Cadet
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Tanmayyy wrote:

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

I am getting option to upgrade to ONE account and Gold Salary Account. Should I upgrade ?

also if i ever change my salary account from icici , would they charge me for non maintenance of Gold account if upgraded ?

Deal Lieutenant Deal Lieutenant
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PappuPager wrote:

https://cdn0.desidime.com/attachments/photos/745420/medium/8278316Akshay-Kumar-dialogues110.jpg?1645467673

please don’t use my pictures without my consent. otherwise I’ll do strike on your id.

Finance Ninja Finance Ninja
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chotabaxxa800 wrote:

how does Auto upgrade works ?

mine is salary account , would it get auto upgraded ?

No idea bro. They won’t intimate you unless you ask them the current variant of your savings account.

Deal Subedar Deal Subedar
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akki.akki wrote:

please don’t use my pictures without my consent. otherwise I’ll do strike on your id.

canadian copywright laws dont work in india

read chapter 5 para 9 carefully

https://cdn0.desidime.com/attachments/photos/745542/medium/8278673hqdefault.jpg?1645505911


Deal Lieutenant Deal Lieutenant
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PappuPager wrote:

canadian copywright laws dont work in india

read chapter 5 para 9 carefully

https://cdn0.desidime.com/attachments/photos/745542/medium/8278673hqdefault.jpg?1645505911


Dear Pappu,
koi kaam dhanda dhundo aur apni energy ko shi direction pe lgao.
Zruri nhi agr naam pappu ho to harkate bhi pappu jaise krni chahiye

Deal Lieutenant Deal Lieutenant
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akki.akki wrote:

Dear Pappu,
koi kaam dhanda dhundo aur apni energy ko shi direction pe lgao.
Zruri nhi agr naam pappu ho to harkate bhi pappu jaise krni chahiye

Bhai ko pappu se nafrat hai, phir bhi

Deal Subedar Deal Subedar
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akki.akki wrote:

Dear Pappu,
koi kaam dhanda dhundo aur apni energy ko shi direction pe lgao.
Zruri nhi agr naam pappu ho to harkate bhi pappu jaise krni chahiye

😄

Deal Subedar Deal Subedar
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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 had closed platinum card but not received pre approved offer from ICICI. You are maintaining a good bank balance ICICI, try to talk with the branch employees.

Deal Lieutenant Deal Lieutenant
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Mufasa wrote:

I had closed platinum card but not received pre approved offer from ICICI. You are maintaining a good bank balance ICICI, try to talk with the branch employees.

How many months since closure?

Finance Ninja Finance Ninja
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Mufasa wrote:

I had closed platinum card but not received pre approved offer from ICICI. You are maintaining a good bank balance ICICI, try to talk with the branch employees.

You need maintain atleast 1L for guaranteed offer otherwise it’s all luck based. How much you are maintaining now?

Deal Newbie Deal Newbie
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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 for a gemstone card.

will this work for mine too?

Finance Ninja Finance Ninja
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Kochiro wrote:

will this work for mine too?

Of course. Maintenance + using the account regularly will increase the chances

Deal Subedar Deal Subedar
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prem4998 wrote:

You need maintain atleast 1L for guaranteed offer otherwise it’s all luck based. How much you are maintaining now?

Above more than 1 Lakh

Finance Ninja Finance Ninja
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Mufasa wrote:

Above more than 1 Lakh

How long? Actively using debit card, upi transactions?

Deal Subedar Deal Subedar
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prem4998 wrote:

How long? Actively using debit card, upi transactions?

Around 1 month, had account with icici 2 years

Deal Subedar Deal Subedar
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ICICI cards are all pretty meh, at least the entry level ones are. Very poor reward structure. Just get one ICICI CC just for bank offers, I don’t think there is a must have card from ICICI, at least not to my knowledge. I don’t understand why people are opening savings account and keeping MAB for Coral LTF when Platinum LTF is almost as good. 

Deal Subedar Deal Subedar
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Do ICICI block card for non usage ?

Can we use it just once a year ?

Deal Cadet Deal Cadet
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PappuPager wrote:

Do ICICI block card for non usage ?

Can we use it just once a year ?

no issue, they won’t block your card.

Deal Subedar Deal Subedar
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Snapz wrote:

no issue, they won’t block your card.

Thanks 👍🏼

Deal Lieutenant Deal Lieutenant
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PappuPager wrote:

Do ICICI block card for non usage ?

Can we use it just once a year ?

That is the right kind of usage for an ICICI card, so they won’t block

Finance Ninja Finance Ninja
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Mufasa wrote:

Around 1 month, had account with icici 2 years

Wait for 3-12 months for triggering

Deal Lieutenant Deal Lieutenant
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Right now, have 2 lacs in ICICI will make it 3 lacs at the end of the month.
Aims:
1) Account upgrade, so that I can get Trading cum Demat account free
And 2) Sapphiro LTF sweat_smile

Deal Cadet Deal Cadet
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A_J wrote:

ICICI cards are all pretty meh, at least the entry level ones are. Very poor reward structure. Just get one ICICI CC just for bank offers, I don’t think there is a must have card from ICICI, at least not to my knowledge. I don’t understand why people are opening savings account and keeping MAB for Coral LTF when Platinum LTF is almost as good. 

True that . No icici cc is worthy to go go through all this hassle. 

Deal Cadet Deal Cadet
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decideaim wrote:

Right now, have 2 lacs in ICICI will make it 3 lacs at the end of the month.
Aims:
1) Account upgrade, so that I can get Trading cum Demat account free
And 2) Sapphiro LTF sweat_smile

Trading account is free for first year only if i am correct.

Deal Lieutenant Deal Lieutenant
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A_J wrote:

ICICI cards are all pretty meh, at least the entry level ones are. Very poor reward structure. Just get one ICICI CC just for bank offers, I don’t think there is a must have card from ICICI, at least not to my knowledge. I don’t understand why people are opening savings account and keeping MAB for Coral LTF when Platinum LTF is almost as good. 

For me there are other reasons, privelege banking and 3 in 1 demat trading account, building a relationship with ICICI, a premium LTF is just the cherry on the top.

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