Which ICICI Bank Credit Card is good to get ?

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Deal Cadet
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Hello Guys,

Today got call from ICICI Bank (Not any agents) and they are offering ICICI Sapphiro Credit card to me on Life Time free basis.
I was using Amazon Pay ICICI card before which they closed by claiming that card was being used for business transactions.
I had bought 2 iPhone 11 in Diwali Sale.

Since I already have Credit cards from HDFC, SBI , Citibank I didnt think of talking with ICICI again.

Now since this is being offered by them , I am considering to go for it.

They mentioned that since card is being offered directly by Bank, it will be LTF but you won’t get any vouchers, welcome offers.

Please share your views if sapphire is good or should I get any other variant.
Also will they honor LTF ? They mentioned that in form and supporting KYC documentd you can give in writing that card being applied is LTF. Is this enough ?

Share any other points, hints you may be having regarding ICICI Credit Cards.

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take it its ltf. as it will be eligible for card discount on az, fk, tatacliq etc etc.

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I also need suggestion. I have no income proof but have credit score of 790 (don’t know if its good or average) due to amazon pay later account I am using. is there any way to get any CC on LTF on such score without any income proof.

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akki.akki wrote:

take it its ltf. as it will be eligible for card discount on az, fk, tatacliq etc etc.

Thanks for reply.
How is card level in ICICI?
Like i know for hdfc bank , it is moneyback > regalia first > regalia > infinia

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importedpikachu583 wrote:

I also need suggestion. I have no income proof but have credit score of 790 (don’t know if its good or average) due to amazon pay later account I am using. is there any way to get any CC on LTF on such score without any income proof.

u can go for icici platinum cc against fd, its LTF. if u do fd of 50k then icici will issue 40-45k cc limit.

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importedpikachu583 wrote:

I also need suggestion. I have no income proof but have credit score of 790 (don’t know if its good or average) due to amazon pay later account I am using. is there any way to get any CC on LTF on such score without any income proof.

790 is good CIBIL score.
Try for Amazon Pay ICICI card OR if you hold long term SBI account in your local branch then you can try for SBI SimplyClick also.
Same for HDFC bank.

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ICICI Platinum -good for Shopping
ICICI Sapphiro – good for Travel
ICICI Rubyx – good for Travel
ICICI Intermiles – good for Travel

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mobileyog wrote:

Thanks for reply.
How is card level in ICICI?
Like i know for hdfc bank , it is moneyback > regalia first > regalia > infinia

go for it…..its high end cc from ICICI.
Platinum > Coral > Rubyx > Saphiro
just cross check if its LTF.

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bobby_123 wrote:

ICICI Platinum -good for Shopping
ICICI Sapphiro – good for Travel
ICICI Rubyx – good for Travel
ICICI Intermiles – good for Travel

My spends are mostly online(Amazon) and very less travel, bill payments.
Is sapphiro better than Platinum for this ?

As per icici bank website , sapphiro seems like their premium card.

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akki.akki wrote:

go for it…..its high end cc from ICICI.
Platinum > Coral > Rubyx > Saphiro
just cross check if its LTF.

Yes cross checked and metioned on docs as well as form in BOLD that I am applying for Life Time Free Card only.

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mobileyog wrote:

Yes cross checked and metioned on docs as well as form in BOLD that I am applying for Life Time Free Card only.

don’t forget to take  a photograph of  ur application.

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Apart from am card

All ICICI card are bakwas horrible reward rate plus fees for redemption

Only get if they are offering LTF

Sapphiro Credit is the best use the amex variant , you will get both mastercard and amex
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Admin

You can apply for – ICICI Bank Instant Platinum Credit Card
https://www.bankbazaar.com/credit-card/icici-ba...

No Annual Fee
Get at least 15% off on all your dining spends
Get 100 Discount on BMS every month when you buy 2 tickets

Currently, ICICI offers three credit cards under the lifetime free scheme-

ICICI Instant Platinum Credit Card
ICICI Bank HPCL Coral Credit Card
ICICI Chip Platinum Credit Card

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Rosh_0007 wrote:

You can apply for – ICICI Bank Instant Platinum Credit Card
https://www.bankbazaar.com/credit-card/icici-ba...

No Annual Fee
Get at least 15% off on all your dining spends
Get 100 Discount on BMS every month when you buy 2 tickets

Currently, ICICI offers three credit cards under the lifetime free scheme-

ICICI Instant Platinum Credit Card
ICICI Bank HPCL Coral Credit Card
ICICI Chip Platinum Credit Card

contacted cc team regarding hpcl fuel card. they are not giving as ltf card
is there any other way to get it

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sravz86 wrote:

contacted cc team regarding hpcl fuel card. they are not giving as ltf card
is there any other way to get it

annual fee is Rs.199 and is reversible if you spend Rs.50,000 or more in the course year. wink

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Rosh_0007 wrote:

annual fee is Rs.199 and is reversible if you spend Rs.50,000 or more in the course year. wink

thnq
yeah. i know. but you said currently icici is offering this card under ltf scheme. that’s why asked.

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SastaRaju wrote:

Apart from am card

All ICICI card are bakwas horrible reward rate plus fees for redemption

Only get if they are offering LTF

Sapphiro Credit is the best use the amex variant , you will get both mastercard and amex

Is AMEX variant better than VISA or mastercard ?
They said for sapphiro they give 2 cards which are mastercard and amex come together.

If I want one only then they give VISA.

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sravz86 wrote:

thnq
yeah. i know. but you said currently icici is offering this card under ltf scheme. that’s why asked.

On iMobile app just surf through their credit cards, dont apply.
You will receive a call in few days from their backend team.
Just say you are looking for LTF CARD.
They will tell all the available cards for you, listen to all the cards and bla bla which they say, and if they dont say regarding the card which u r looking, then say u r looking for Fuel cards, or just say it at last from ur end and specifically mention only LTF.
This should work..
They call me whenever I surf their cards.

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wackophant wrote:

On iMobile app just surf through their credit cards, dont apply.
You will receive a call in few days from their backend team.
Just say you are looking for LTF CARD.
They will tell all the available cards for you, listen to all the cards and bla bla which they say, and if they dont say regarding the card which u r looking, then say u r looking for Fuel cards, or just say it at last from ur end and specifically mention only LTF.
This should work..
They call me whenever I surf their cards.

Thanks Kg+

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My Frnd Has Icici Debit Card…. spending More money on petrol and outlets… After 6 months he got call from home branch and offered him lifetime coral credit card.

As A Frnd I Took His Card Numbers For Bookmyshow Benefits.

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mobileyog wrote:

Is AMEX variant better than VISA or mastercard ?
They said for sapphiro they give 2 cards which are mastercard and amex come together.

If I want one only then they give VISA.

Take amex and visa… I have both of them as LTF .. . Rewards are bad but works well with BMS… unlike coral or other variants where u have to book at specific time , u can avail the offer anytime with sapphiro cards….

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TheTeddy wrote:

Take amex and visa… I have both of them as LTF .. . Rewards are bad but works well with BMS… unlike coral or other variants where u have to book at specific time , u can avail the offer anytime with sapphiro cards….

Thanks,  will take both as they confirmed LTF for both.

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mobileyog wrote:

Is AMEX variant better than VISA or mastercard ?
They said for sapphiro they give 2 cards which are mastercard and amex come together.

If I want one only then they give VISA.

You cant take visa

And reward rate is better in Amex thats it

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Got cards delivered today.
1 Amex
1 Mastercard

One thing I noticed that earlier imobile app of icici used to allow people with only Credit cards from icici to login.
But now it only gives 2 options, 1 via pockets id and 2nd via if you have icici bank account.

Any idea when this changed ?
I do not have icici bank account and on pockets it gives error that my pockets account kyc is not done , which is not true.

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I got offer from ICICI branch saying LTF (no joining fee and annual fee) for RUBYX card. They said this card offers bookmyshow 1 + 1 movie tickets offer. But I see on website it is showing 25% off on tickets.

Can anyone RUBYX card users confirm on this offer please.
@akki.akki
@Rosh_0007

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Raj_208 wrote:

I got offer from ICICI branch saying LTF (no joining fee and annual fee) for RUBYX card. They said this card offers bookmyshow 1 + 1 movie tickets offer. But I see on website it is showing 25% off on tickets.

Can anyone RUBYX card users confirm on this offer please.
@akki.akki
@Rosh_0007

check netbanking ? if u see this in netbanking section then apply it else ask branch employee to give it in written that its ltf.

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akki.akki wrote:

check netbanking ? if u see this in netbanking section then apply it else ask branch employee to give it in written that its ltf.


https://cdn0.desidime.com/attachments/photos/672553/medium/Screenshot_2021-03-19-15-42-44-44.jpg?1616174649It is showing is iMobile app also. But I want to make sure about the bookmyshow offer. In app also it is showing 25% off on movie tickets but they are saying it is not updated but actual offer is 1+1 (free second tkt).
@akki.akki

Missing