Way to Get Pre-approved Credit Card Offers

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Hey guys!
Currently I’m having Gold account in icici bank and maintaining 50k. But the problem is that there is no LTF credit card offers from then (neither calls nor emails).

I have account in HDFC Bank too & I’m a preferred customer. As per RBI’s new rule they can’t process any new applications:/ so basically I’m stuck between them.

Also for HDFC, they were interested providing me Buisness Regalia/Millennia card.. which one should be good for online usage.

I need a LTF credit card for now. If you guys have any suggestions please let me know. Thank you!

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Try for ICICI Amazon Pay Credit Card. Since you already have relation with ICICI Bank, it will be upper hand for you in getting this card.

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gugaheri wrote:

Try for ICICI Amazon Pay Credit Card. Since you already have relation with ICICI Bank, it will be upper hand for you in getting this card.

Not really.

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First try to take icici platinum apply by online LTF

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PrabsTalks wrote:

Hdfc Millennium better

Ya, stick with hdfc. Don’t waste time on icici.

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50k is the MAB for Gold where you wont get any offers . You need to maintain atleast 1lac for gold accounts to get pre approved .
Better to open a normal account and maintain 50k plus monthly 10-20k funds transfer offer shows up in 6-7 month .Use the Dc frequently . Mine came in 5th month which I declined on the 8th month they offered me a LTF card

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I have a ICICI Bank account and I already hold a Amazon Pay Credit Card. But I need a LTF credit card (like Rubyx or Sapphiro). Is there any chance of getting pre-approved offer without closing APay credit card?

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atul_singh wrote:

I have a ICICI Bank account and I already hold a Amazon Pay Credit Card. But I need a LTF credit card (like Rubyx or Sapphiro). Is there any chance of getting pre-approved offer without closing APay credit card?

Maintain good balance and do transaction using the debit card

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1) You have to maintain atleast double the amount of MAB required for the account.
2) Regular transaction using debit card, netbanking
3) Diversify relationship with bank, along with savings account open fd, Rd.
Sureshot preapproved offer will come with above steps.

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Alexios wrote:

1) You have to maintain atleast double the amount of MAB required for the account.
2) Regular transaction using debit card, netbanking
3) Diversify relationship with bank, along with savings account open fd, Rd.
Sureshot preapproved offer will come with above steps.

My savings account had recently been automatically upgraded from Insta Save FD account to gold privilege banking account. I don’t have MAB instead I need to maintain FD. What should I do now?

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Alexios wrote:

1) You have to maintain atleast double the amount of MAB required for the account.
2) Regular transaction using debit card, netbanking
3) Diversify relationship with bank, along with savings account open fd, Rd.
Sureshot preapproved offer will come with above steps.

You forgot the main ingredient required: Good CIBIL Score

Now a days all banks have enough data to soft pull your cibil score, unless it’s above 750 consistently, pre-approved offer won’t come

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ashmail123957 wrote:

You forgot the main ingredient required: Good CIBIL Score

Now a days all banks have enough data to soft pull your cibil score, unless it’s above 750 consistently, pre-approved offer won’t come

That is mandatory pre requirement. Without it all efforts are waste. That is why not mentioned. Everyone thinking of getting cc must know about that atleast

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atul_singh wrote:

My savings account had recently been automatically upgraded from Insta Save FD account to gold privilege banking account. I don’t have MAB instead I need to maintain FD. What should I do now?

Why you opened fd account. You have then a cc also based on that. With fd cc you won’t get preapproved card offer.

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Alexios wrote:

Why you opened fd account. You have then a cc also based on that. With fd cc you won’t get preapproved card offer.

I didn’t had any relationship with ICICI Bank before Insta Save FD account. With that account they provided a secured credit card against FD. Last week I closed my secured credit card as my application for Amazon Pay ICICI Bank credit card was approved.

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atul_singh wrote:

I didn’t had any relationship with ICICI Bank before Insta Save FD account. With that account they provided a secured credit card against FD. Last week I closed my secured credit card as my application for Amazon Pay ICICI Bank credit card was approved.

Then, I am not sure in your case. As i told by the experience and in my case I have normal savings account.

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Which Saving account you have & Average MAB?

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Mufasa wrote:

Which Saving account you have & Average MAB?

My Insta Save FD account was upgraded. And now I have gold standard account. There is no MAB required as base variant required minimum 10K FD instead of any MAB.

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atul_singh wrote:

My Insta Save FD account was upgraded. And now I have gold standard account. There is no MAB required as base variant required minimum 10K FD instead of any MAB.

I have regular saving account opened online. MAB 10K

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Mufasa wrote:

I have regular saving account opened online. MAB 10K

I think your account variant is “Insta Save Account” which requires minimum 10K MAB.

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atul_singh wrote:

I think your account variant is “Insta Save Account” which requires minimum 10K MAB.

Yes, I maintained average balance 25-30K + FD even though have not get pre-approved card offer. Account is like 8 months old.

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Mufasa wrote:

Yes, I maintained average balance 25-30K + FD even though have not get pre-approved card offer. Account is like 8 months old.

Do you have secured credit card against that FD?

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atul_singh wrote:

Do you have secured credit card against that FD?

Yes platinum card with 45K limit. I have also secured SBI credit card.. CIBIL 750.

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go and register on pisabazaar, plicybazaar and similar sites, register your phone and see your free CIBIL report, wait for few days you will be folded by them for credit card offers available as per your profile then choose LFT card, and card to card approval if possible and may be you might get the card of your choice there…

(based on my personal experience)

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Mufasa wrote:

Yes platinum card with 45K limit. I have also secured SBI credit card.. CIBIL 750.

That’s why you are not getting pre-approved credit card offers. You need to close ICICI fd card in order to get pre-approved credit card offers.

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atul_singh wrote:

That’s why you are not getting pre-approved credit card offers. You need to close ICICI fd card in order to get pre-approved credit card offers.

I am thinking to close it soon as the card is not rewarding only normal 5/10 discount which can also be availed on icici debit with same reward points, so no use for. Just waiting once all the transactions are reported to CIBiL so that the score can go able 750. Btw what your CIBIL score when you have applied for unsecured card. Are you employed?

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Mufasa wrote:

I am thinking to close it soon as the card is not rewarding only normal 5/10 discount which can also be availed on icici debit with same reward points, so no use for. Just waiting once all the transactions are reported to CIBiL so that the score can go able 750. Btw what your CIBIL score when you have applied for unsecured card. Are you employed?

My current Cibil score is 751 and I applied Amazon Pay credit card on 3rd Feb and it got approved last Saturday. Check this thread: https://www.desidime.com/discussions/amazon-pay...

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