Pre approved CC

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Deal Cadet
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I’m looking for a new savings account with any private bank which provides pre approved CC easily. I can maintain 15-20K MAB and my online spending amounts to around 10K pm. Please suggest which banks are easy in giving CC in such case.

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SBI & ICICI based on my experience
Increase the MAB a bit more, like 30K+ and you will get the pre-approved offer for sure
Waiting time can be anywhere fr 1-3 years

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AXIS ASAP account provides pre approved card, without any documents.

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1. Axis (even with ASAP account). [Fastest]
2. ICICI (even with pockets saving account).
3. HDFC 10K minimum.

But you have to wait around 6months to 1year after account opening. If you can FD around 20k, it will help and give you offer within 6months.

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yep axis bank charges for debit card even in its 25k mab acc, same with icici.

Get hdfc max account keep 25k in 6month you ’ll get offer. no charges on debit card. I am using millenia debit card which give lounge access plus 2.5% online cashback point on spending.
I am getting offer in my mother hdfc account opened year back with 1500amazon voucher on spending 10k in 90days.

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jambui wrote:

yep axis bank charges for debit card even in its 25k mab acc, same with icici.

Get hdfc max account keep 25k in 6month you ’ll get offer. no charges on debit card. I am using millenia debit card which give lounge access plus 2.5% online cashback point on spending.
I am getting offer in my mother hdfc account opened year back with 1500amazon voucher on spending 10k in 90days.

Wow, so bonus benefits for online spend also, Nice, thanks.

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NeverMind wrote:

Wow, so bonus benefits for online spend also, Nice, thanks.

This is user dependent & usually given to those who rarely or never use their card. Also hdfc bank cards have a lot of terms & conditions so you better sit with a calculator & plan your transactions accordingly to get max benefit.

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rohit_agarwal wrote:

1. Axis (even with ASAP account). [Fastest]
2. ICICI (even with pockets saving account).
3. HDFC 10K minimum.

But you have to wait around 6months to 1year after account opening. If you can FD around 20k, it will help and give you offer within 6months.

Which card they offer for icici pockets account?

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Alexios wrote:

Which card they offer for icici pockets account?

I got Rubyx LTF…. Not pockets wallet, i told about pockets saving account.

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rohit_agarwal wrote:

I got Rubyx LTF…. Not pockets wallet, i told about pockets saving account.

Yes was asking about pockets savings account only. Thanks

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rohit_agarwal wrote:

I got Rubyx LTF…. Not pockets wallet, i told about pockets saving account.

Is the credit card offer shown in iMobile app or via email in Icici?
Have an old Icici savings account which I hardly used . From last 6 months I’ve been maintaining 40k MAB .

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cadence wrote:

Is the credit card offer shown in iMobile app or via email in Icici?
Have an old Icici savings account which I hardly used . From last 6 months I’ve been maintaining 40k MAB .

It was showing in NetBanking and imobile. Got email about pre-approved card. Also got calls from ICICI.

And the funny part is local branch agent called me that i have pre-approved card offer and he want to meet me. But I rejected, applied by myself.

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rohit_agarwal wrote:

It was showing in NetBanking and imobile. Got email about pre-approved card. Also got calls from ICICI.

And the funny part is local branch agent called me that i have pre-approved card offer and he want to meet me. But I rejected, applied by myself.

After how much time did you got the offer
And how much did you Maintained (almost)

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AUser wrote:

After how much time did you got the offer
And how much did you Maintained (almost)

I maintained 3-5k only…… And few fd of 50k,,, got offer after 1years.

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I had Axis savings account since 2003…They gave me pre-approved CC in 2018…Lol…

If you have a good CIBIL & credit history, better to directly apply for a Lifetime Free card like ICICI Platinum Chip or HDFC MoneyBack on card to card process…You will get it easily if you have a good CIBIL…Getting Pre-approved card is not so fast like you think…It can sometimes take several years if you don’t maintain huge amounts in savings or have FDs with the bank…

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Sushrut.B wrote:

I had Axis savings account since 2003…They gave me pre-approved CC in 2018…Lol…

If you have a good CIBIL & credit history, better to directly apply for a Lifetime Free card like ICICI Platinum Chip or HDFC MoneyBack on card to card process…You will get it easily if you have a good CIBIL…Getting Pre-approved card is not so fast like you think…It can sometimes take several years if you don’t maintain huge amounts in savings or have FDs with the bank…

How to apply on card to card basis?

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Alexios wrote:

How to apply on card to card basis?

Just apply on the bank website…

When the executive will call you to collect documents, mention that you would like to apply on card to card basis (if you already have another credit card from another bank)…He will come & will collect your PAN & Aadhar xerox copies, 1 copy passport photo, the front side photo/xerox of your existing credit card & the last 1/2 months credit card statement copies & will process your application…If you are eligible, you will get the card…

I have 10 credit cards from most top banks of India & I never gave any income docs for any card…First card was taken through ICICI FD basis…And then the rest of all the cards on card to card basis…SBI,ICICI,Axis,Standard Chartered,Yes Bank,IndusInd,Kotak,HDFC all banks give credit cards on card to card basis…

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Sushrut.B wrote:

Just apply on the bank website…

When the executive will call you to collect documents, mention that you would like to apply on card to card basis (if you already have another credit card from another bank)…He will come & will collect your PAN & Aadhar xerox copies, 1 copy passport photo, the front side photo/xerox of your existing credit card & the last 1/2 months credit card statement copies & will process your application…If you are eligible, you will get the card…

I have 10 credit cards from most top banks of India & I never gave any income docs for any card…First card was taken through ICICI FD basis…And then the rest of all the cards on card to card basis…SBI,ICICI,Axis,Standard Chartered,Yes Bank,IndusInd,Kotak,HDFC all banks give credit cards on card to card basis…

Thanks this helps, +kg

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Sushrut.B wrote:

Just apply on the bank website…

When the executive will call you to collect documents, mention that you would like to apply on card to card basis (if you already have another credit card from another bank)…He will come & will collect your PAN & Aadhar xerox copies, 1 copy passport photo, the front side photo/xerox of your existing credit card & the last 1/2 months credit card statement copies & will process your application…If you are eligible, you will get the card…

I have 10 credit cards from most top banks of India & I never gave any income docs for any card…First card was taken through ICICI FD basis…And then the rest of all the cards on card to card basis…SBI,ICICI,Axis,Standard Chartered,Yes Bank,IndusInd,Kotak,HDFC all banks give credit cards on card to card basis…

Will giving masked aadhaar xerox/print copy will work or some other address proof?

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guest_999 wrote:

Will giving masked aadhaar xerox/print copy will work or some other address proof?

I am not sure about that as I have always given physical Aadhar xerox copies but you can try giving Voter ID card also…Atleast one Govt. Official address proof will be required…

When the executive will call you to collect documents, ask him/her directly…If they agree, there is no problem…

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rohit_agarwal wrote:

1. Axis (even with ASAP account). [Fastest]
2. ICICI (even with pockets saving account).
3. HDFC 10K minimum.

But you have to wait around 6months to 1year after account opening. If you can FD around 20k, it will help and give you offer within 6months.

I never knew that Axis offer Pre-Approved Credit Card even with ASAP A/c. I have 1 year old ASAP A/c.
How much Blance i need to maintaine & monthly transactions to get Credit Card offer?

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Vladimir-Putin wrote:

I never knew that Axis offer Pre-Approved Credit Card even with ASAP A/c. I have 1 year old ASAP A/c.
How much Blance i need to maintaine & monthly transactions to get Credit Card offer?

Don’t need to hold any balance, for fast getting offer simple open 50k fd for around 3months. For sure you will get pre-approved offer.

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rohit_agarwal wrote:

Don’t need to hold any balance, for fast getting offer simple open 50k fd for around 3months. For sure you will get pre-approved offer.

Ok thanks buddy 👍

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So this the thing with ICICI
I am having 14 year old relationship with ICICI, Having Platinum Credit card and Amazon Pay credit card..
Never provided with upgrade or preapproved CC..I have checked with CC twice or so if platinum card can be upgraded , but No

Now My partner is also having ICIC Normal saving account 10K AMB…10 year old…was given preapproved Rubyx card (No joining fee..no annual fee)

On what basis does this banks give such preapproved cards or upgrades ??

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Sudarshan61 wrote:

So this the thing with ICICI
I am having 14 year old relationship with ICICI, Having Platinum Credit card and Amazon Pay credit card..
Never provided with upgrade or preapproved CC..I have checked with CC twice or so if platinum card can be upgraded , but No

Now My partner is also having ICIC Normal saving account 10K AMB…10 year old…was given preapproved Rubyx card (No joining fee..no annual fee)

On what basis does this banks give such preapproved cards or upgrades ??

Maintain balance in your account to convert it into privilege banking account and then call up you relationship manager customer care number to ask for CC upgrade.

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