Hot Deal Pre approved credit card icici

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Deal Newbie
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I am holding a ICICI wealth account from past 8 months,opened in hope of getting a sapphiro credit card LTF because of movie benefit and such,but currently ICICI have sended me coral amex as ltf under pre approved offer and this card i can actually get on my itr easily but all i needed sapphiro as i don’t qualify it on basis of itr and i thought wealth account can help me in getting it  <img src='https://cdn1.desidime.com/emojis/medium/expressionless.png' class='e-moji' alt='expressionless' border='0'/>  , so guys should i wait for few more months so as icici changes pre approved card selection for me or should accept coral ltf and their is any way to convert it on later stage of sapphiro ltf? 

73 Comments  |  
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Deal Cadet
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I have silver privilege account (automatically upgraded from pockets saving account), and i got ltf rubyx (AmEx+mastercard) dual card. Even i only mainten 3k in account.
I’m only holding 2L FD, so its your luck. But if you get coral card, ICICI will never provide you any ltf upgrade.

My friend have coral visa card, he is eligible for card upgrade but have to pay for it. Not ltf.

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Deal Newbie
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rohit_agarwal wrote:

I have silver privilege account (automatically upgraded from pockets saving account), and i got ltf rubyx (AmEx+mastercard) dual card. Even i only mainten 3k in account.
I’m only holding 2L FD, so its your luck. But if you get coral card, ICICI will never provide you any ltf upgrade.

My friend have coral visa card, he is eligible for card upgrade but have to pay for it. Not ltf.

So i should wait few more months for sapphiro update to pop up right as as per your comment i would be stuck with coral for lifetime as ltf card !

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hardikgala77908 wrote:

So i should wait few more months for sapphiro update to pop up right as as per your comment i would be stuck with coral for lifetime as ltf card !

Just call them and tell them to provide that card or you would close the account. If they agree then good or else close it or convert it into regular account if it is your old savings account. No need to give them good business from your side if you do not get something in return.

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watever wrote:

Just call them and tell them to provide that card or you would close the account. If they agree then good or else close it or convert it into regular account if it is your old savings account.

I called them and they denied to provide on ltf basis,they can only give as paid card and secondly its my 8 months old new account and don’t want to close personally as this account is very much beneficial and top most account of icici, if you know some hack or trick to get this card ltf , a reply would be beneficial!🙂

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hardikgala77908 wrote:

So i should wait few more months for sapphiro update to pop up right as as per your comment i would be stuck with coral for lifetime as ltf card !

Yeh you should wait to get ltf card. Because in ICICI there is no option to convert ltf like HDFC.

But in my point of view, all ICICI card is bad. Only Amazon pay ICICI is good.

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Deal Subedar
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I faced weird problem in icici cc. I also received pre approved cc offer from icici bank on my wife’s account (which have currently 0 balance grinning). I applied for it & they generated card number of coral cc with LTF offer. Problem is – in icici bank account my wife’s name is in following sequence – 1st Surname, 2nd Her Name & 3rd My name.

& they generated card with Surname & My name!!! Her name is missing from the card. So I guess in physical card also they will send same card.

Anything can be done in this matter?

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drjpatwa wrote:

I faced weird problem in icici cc. I also received pre approved cc offer from icici bank on my wife’s account (which have currently 0 balance grinning). I applied for it & they generated card number of coral cc with LTF offer. Problem is – in icici bank account my wife’s name is in following sequence – 1st Surname, 2nd Her Name & 3rd My name.

& they generated card with Surname & My name!!! Her name is missing from the card. So I guess in physical card also they will send same card.

Anything can be done in this matter?

You can call them and ask them to change it. They will re-issue a new card and the old card will be deactivated by them.

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hardikgala77908 wrote:

I called them and they denied to provide on ltf basis,they can only give as paid card and secondly its my 8 months old new account and don’t want to close personally as this account is very much beneficial and top most account of icici, if you know some hack or trick to get this card ltf , a reply would be beneficial!🙂

Oh i thought they are not giving you the card even after holding wealth account with them. Getting it LTF is a totally different thing. Sometimes banks provide it to customers provided they are getting very good and high value business from the customer. You can ask them if their is any criteria to get this card LTF.

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watever wrote:

Oh i thought they are not giving you the card even after holding wealth account with them. Getting it LTF is a totally different thing. Sometimes banks provide it to customers provided they are getting very good and high value business from the customer. You can ask them if their is any criteria to get this card LTF.

They told ltf card can only be given to person holding nrv of 40 lacs with bank,but as of my understanding with people in my whatsapp group of credit cards and hack,they have received this card LTF on holding saving account only with average balance of 10k to 40k range and this thing is making me angry!

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hardikgala77908 wrote:

They told ltf card can only be given to person holding nrv of 40 lacs with bank,but as of my understanding with people in my whatsapp group of credit cards and hack,they have received this card LTF on holding saving account only with average balance of 10k to 40k range and this thing is making me angry!

check pm..

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Deal Subedar
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hardikgala77908 wrote:

I called them and they denied to provide on ltf basis,they can only give as paid card and secondly its my 8 months old new account and don’t want to close personally as this account is very much beneficial and top most account of icici, if you know some hack or trick to get this card ltf , a reply would be beneficial!🙂

Can you share the criteria/fees required for opening icici wealth account n then what are benefits .. apart from possibility of getting a LTF CC..

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Deal Newbie
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indiansoul wrote:

Can you share the criteria/fees required for opening icici wealth account n then what are benefits .. apart from possibility of getting a LTF CC..

I applied wealth account on basis of initial 10lacs cheque and it’s zero balance account so if i withdraw 10 lacs it’s not a issue,for benefits you can visit icici bank site! it’s top most account of icici and very beneficial!

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As discussed, wait and watch. You will get a better offer from them.

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Deal Subedar
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hardikgala77908 wrote:

I applied wealth account on basis of initial 10lacs cheque and it’s zero balance account so if i withdraw 10 lacs it’s not a issue,for benefits you can visit icici bank site! it’s top most account of icici and very beneficial!

I checked and found that wealth Management services account requires Deposit and Investment Value*(DIV) of minimum INR 25 lac.

How were you able to open it with 10L initial amount ?? Am I looking at right place or is there any promotion to reduce the DIV ??

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indiansoul wrote:

I checked and found that wealth Management services account requires Deposit and Investment Value*(DIV) of minimum INR 25 lac.

How were you able to open it with 10L initial amount ?? Am I looking at right place or is there any promotion to reduce the DIV ??

Visit branch it can be done with 10lacs deposit,my one friend from rural area has opened at 5 lacs,so it all depends on your Indian jugad!

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Deal Cadet
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Can someone tell me can i get icici credit card LTF without Itr and if yes then which card?

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Neelay wrote:

Can someone tell me can i get icici credit card LTF without Itr and if yes then which card?

Check my reply in other thread.

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Deal Cadet
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ICICI Bank Coral Credit Card is showing in Pre-Qualified Offers in ICICI Bank Net Banking Interface.

Its showing as InAFlash Card. https://www.icicibank.com/Personal-Banking/card...

So if I apply for this card then will I need to submit any documents like Salary Sleep / ITR after that?

How much Credit Limit will be given? As no Pre-Approved Amount is showing on Application Interface.

If anyone can guide for this.

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Alpha_Lion wrote:

ICICI Bank Coral Credit Card is showing in Pre-Qualified Offers in ICICI Bank Net Banking Interface.

Its showing as InAFlash Card. https://www.icicibank.com/Personal-Banking/card...

So if I apply for this card then will I need to submit any documents like Salary Sleep / ITR after that?

How much Credit Limit will be given? As no Pre-Approved Amount is showing on Application Interface.

If anyone can guide for this.

Share screenshot

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Deal Major
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Alpha_Lion wrote:

ICICI Bank Coral Credit Card is showing in Pre-Qualified Offers in ICICI Bank Net Banking Interface.

Its showing as InAFlash Card. https://www.icicibank.com/Personal-Banking/card...

So if I apply for this card then will I need to submit any documents like Salary Sleep / ITR after that?

How much Credit Limit will be given? As no Pre-Approved Amount is showing on Application Interface.

If anyone can guide for this.

No need to submit any docs..the VCC will get generated instantly
Just some basic details like your name & address

Edit: For this offer..dimers didn’t get CB for Paytm TXs so skip wallets

50% cashback amount (maximum Rs.500) of any online transaction done within 7 days of card set-up date will be credited to credit card account within 90 days of card set-up date.

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Deal Lieutenant
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Alpha_Lion wrote:

01 – ICICI Bank Net Banking – Pre-Qualified Offers in Deposit Section
https://ibb.co/S...QR

02 – ICICI Bank Net Banking – Pre-Qualified Credit Card
https://ibb.co/V...2J

03 – ICICI Bank Net Banking – Cards Section
https://ibb.co/D...Rf

seems preapproved. check once on imobile too. Also don’t apply now they are doing some maintenance. Try tomorrow.

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Simbha3 wrote:

seems preapproved. check once on imobile too. Also don’t apply now they are doing some maintenance. Try tomorrow.

So what is preapproved credit card?

Will they charge any joining fees or annual fees? Will I get InAFlash Offer Benefits on Applying this Card?

Life Time Free means unused card can also be kept or to have some minimum annual transaction amount for waiving off these charges?

As Corel Visa, Mastercard & Amex Variants show ₹500 Joining Fees and ₹500 Annual Charges, so I am bit confused with this.

Don’t have any CC till now so this might be 1st one.

Should I get this Coral Variant or go for LTF Secured CC against FD like ICICI Bank Instant Platinum CC or Kotak Mahindra Bank #DreamDifferent CC. Because I want to improve my CIBIL Score.

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Alpha_Lion wrote:

So what is preapproved credit card?

Will they charge any joining fees or annual fees? Will I get InAFlash Offer Benefits on Applying this Card?

Life Time Free means unused card can also be kept or to have some minimum annual transaction amount for waiving off these charges?

As Corel Visa, Mastercard & Amex Variants show ₹500 Joining Fees and ₹500 Annual Charges, so I am bit confused with this.

Don’t have any CC till now so this might be 1st one.

Should I get this Coral Variant or go for LTF Secured CC against FD like ICICI Bank Instant Platinum CC or Kotak Mahindra Bank #DreamDifferent CC. Because I want to improve my CIBIL Score.

Pre-approved mean you don’t need to show any documents to get the card.
The screenshot you shared shows no joining fee or annual free so it should be free.
You are getting this for free so take this no need to go for fd based card.

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Entertainer
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Alpha_Lion wrote:

So what is preapproved credit card?

Will they charge any joining fees or annual fees?

Life Time Free means unused card can also be kept or to have some minimum annual transaction amount for waiving off these charges?

As Corel Visa, Mastercard & Amex Variants show ₹500 Joining Fees and ₹500 Annual Charges, so I am bit confused with this.

Don’t have any CC till now so this might be 1st one.

Should I get this Coral Variant or go for LTF Secured CC against FD like ICICI Bank Instant Platinum CC or Kotak Mahindra Bank #DreamDifferent CC. Because I want to improve my CIBIL Score.

Go for this only if you anyway have in mind to apply cc against fd, Atleast funds won’t get blocked unnecessarily.

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Deal Cadet
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Simbha3 wrote:

Pre-approved mean you don’t need to show any documents to get the card.
The screenshot you shared shows no joining fee or annual free so it should be free.
You are getting this for free so take this no need to go for fd based card.

Thanks a ton for your sparing your precious time, help & guidance. sunglasses

Cleared all my doubts about this card.

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BubbleBoyChickenLittle wrote:

Go for this only if you anyway have in mind to apply cc against fd, Atleast funds won’t get blocked unnecessarily.

True, my purpose was getting a CC for improving Credit Score, but without Good Credit Score, Banks won’t issue Unsecured CC. So to break this vicious circle, I have thought to go for ICICI Bank Instant Platinum CC with Minimal FD of ₹10000, to start off.

But If this LTC Coral CC is Serving that purpose then I can use that FD amount for for timely repayments of monthly billing on this card itself.

I have even applied for OneCard too, but stuck into Waitlist 2.0 and Spin-A-Wheel Circus, which is completely untolerable now and creates anxiety and anger. rage

If they want to give card then simply issue it otherwise outrightly reject it but instead they are keeping hanged in the air.

Thanks a ton for your sparing your precious time, help & guidance. sunglasses

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