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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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chotabaxxa800 wrote:

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

Yeah but no demat account charges

Deal Subedar Deal Subedar
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chotabaxxa800 wrote:

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 ?

I am also getting same…. Have you upgraded….??? Titanium its written thah need 1l salary… Gold… Nothing written.. Also in t&c nothing given about gold salary account…. In one its written that after upgrade request…. You need to get 1 lakh salary for 3 continuous month initially…… Else debit card will be blocked….

Deal Cadet Deal Cadet
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batmanBABA wrote:

I am also getting same…. Have you upgraded….??? Titanium its written thah need 1l salary… Gold… Nothing written.. Also in t&c nothing given about gold salary account…. In one its written that after upgrade request…. You need to get 1 lakh salary for 3 continuous month initially…… Else debit card will be blocked….

yeah.. same for me. I didn’t got any additional information even frim customer service as Gold variant in salary account too is zero balance with no debit card fees. So don’t know what additional benefit it provides

Deal Subedar Deal Subedar
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chotabaxxa800 wrote:

yeah.. same for me. I didn’t got any additional information even frim customer service as Gold variant in salary account too is zero balance with no debit card fees. So don’t know what additional benefit it provides

It provides gold debit card…. It has unlimited transaction free on icici atm…. Also… More cash deposit limit…. And dd and more services become free…. I also called cs… They have no clue…. But if you map it with savings variant…. Gold savings require 50000 Mab.. And one savings require 1 lakh mab…. So one salary require 1 lakh salary…. And also there is no harm in upgrade as no mab charges…..

Deal Cadet Deal Cadet
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batmanBABA wrote:

It provides gold debit card…. It has unlimited transaction free on icici atm…. Also… More cash deposit limit…. And dd and more services become free…. I also called cs… They have no clue…. But if you map it with savings variant…. Gold savings require 50000 Mab.. And one savings require 1 lakh mab…. So one salary require 1 lakh salary…. And also there is no harm in upgrade as no mab charges…..

I agree theres no harm in upgrading salary account.

but what I fear is uf salary stops getting crediting , account would be downgraded to regular account with Mab 10k or 50k ?

Deal Subedar Deal Subedar
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chotabaxxa800 wrote:

I agree theres no harm in upgrading salary account.

but what I fear is uf salary stops getting crediting , account would be downgraded to regular account with Mab 10k or 50k ?

Icici never downgrades….. My branch manager also told same… If there are regular transactions in your account…. There are people who have commented using gold salary account from 11 years without salary credit..here on desidime.. I will upgrade it mostly next month… As my account only changed to Salary account this month..only… .. 

Deal Lieutenant Deal Lieutenant
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I am holding apay icici credit card only. I get so many calls from kotak , stanc and icici bank for pre approved credit cards that i keep putting them in block list every day.

i have a dormant acc in stanc,

kotak 811 with zero balance

and 8 years old icici savings (salary for first 4 years)account. My current company pays in idbi, i transfer all money from idbi to icici every month. When i have enough i create fd in paytm payment bank.






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