ICICI_Sapphiro Credit Card (Showing Joining Fee : NIL Annual Fee: NIL)

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Deal Cadet
itsmehd5

Hey Dimers,

I wanted to apply for a LTF ICICI Credit card ..So I applied from their site & after all the CIBIL checks & checking Salary Income statements , I was offered various credit cards out of which I see ICICI Sapphiro Credit card & Rubyx showing Joining & Annual Fee as "NIL". Should I be applying the same now or will there be a twist for it as far as any charges are concerned?

I already hold a small savings A/c with them but that's dormant. Please guide!! TIA

@guest_999 @caks2006407 @bohemian @xxxyyyzzz @prem4998

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Generous Generous
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Take the Sapphiro without second thoughts. Not many are able to get it as LTF even with savings or salary accounts. Take screenshots of every step of your application process. Most importantly where it shows fee as NIL.

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Critic Critic
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Sapphiro is the higher variant so prefer that if getting both as ltf option. It seems icici is considering your salary statement for eligibility so savings acc status shouldn't matter.

Generous Generous
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Take the Sapphiro without second thoughts. Not many are able to get it as LTF even with savings or salary accounts. Take screenshots of every step of your application process. Most importantly where it shows fee as NIL.

Deal Cadet Deal Cadet
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prem4998 wrote:

Take the Sapphiro without second thoughts. Not many are able to get it as LTF even with savings or salary accounts. Take screenshots of every step of your application process. Most importantly where it shows fee as NIL.

Yeah after all the CIBIL & Aadhar authentication, I took the screenshot of the Sapphiro Card with my name on it & mentioned on left side that both Joining &Annual Fee as NIL..Took only this screenshot...It also had my IP address on webpage! @prem4998 @guest_999
Finance Mentor Finance Mentor
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It would be LTF.

Generous Generous
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itsmehd5 wrote:
Yeah after all the CIBIL & Aadhar authentication, I took the screenshot of the Sapphiro Card with my name on it & mentioned on left side that both Joining &Annual Fee as NIL..Took only this screenshot...It also had my IP address on webpage! @prem4998 @guest_999

That's enough. Most probably there will be no issues. I also got Sapphiro as NIL fees but did not took any screenshots then later confirmed with customer support via email after card delivery. Mine was pre-approved not due to salary or CIBIL check.

Deal Cadet Deal Cadet
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Ramta_Jogi wrote:

It would be LTF.

Any experience you could share?
Finance Mentor Finance Mentor
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itsmehd5 wrote:
Any experience you could share?

I had it LTF on personal account. Recently closed it due to non usage. 

Still keeping dad's sapphiro due to its high credit limit for medical emergencies.

I don't find any use for it apart from amazon offers on and off and dragon pass International lounge access for holder as well as guest. 

There are some domestic lounges and spa (lounge spa) offers on it too. Never availed. 

It has pretty bad reward rate. 

Generous Generous
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itsmehd5 wrote:
Yeah after all the CIBIL & Aadhar authentication, I took the screenshot of the Sapphiro Card with my name on it & mentioned on left side that both Joining &Annual Fee as NIL..Took only this screenshot...It also had my IP address on webpage! @prem4998 @guest_999

Can you share the screenshot just to see how it looks? This is on their new insta platform, right? Hide sensitive information, if any

Deal Newbie Deal Newbie
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I also got a call from ICICI credit Card Team... They are offering me LTF Credit Card. They told me 5 icici card as part of LTF offer including Sapphiro. Is it worth it take this card. Or any other ICICI Card. Provide valuable suggestion

Deal Newbie Deal Newbie
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aakash2020139 wrote:

I also got a call from ICICI credit Card Team... They are offering me LTF Credit Card. They told me 5 icici card as part of LTF offer including Sapphiro. Is it worth it take this card. Or any other ICICI Card. Provide valuable suggestion

Same here.
Deal Cadet Deal Cadet
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For pre approved credit cards whether  vkyc is required?

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