Your Amazon Pay ICICI Bank Credit Card application has been declined?

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Deal Newbie
samm255

So this is the second time they declined my application even through I hold HDFC, AXIS and SBI credit card. I am not sure on what basis they declined me, when I asked them through email they said it was declined due to internal policy.

First time when Amazon showed me this card banner, it specifically mentioned “No income document required” so I applied it and completed my application, during application process, it didn’t ask me upload income or ITR document and application was done only with Video KYC and then after 4 days it was declined.

After waiting 6 months, amazon again showed me banner to get card in 30 minutes so I applied again and this time it asked me upload income document or ITR so I uploaded my latest ITR with computation and completed video KYC but after 3 days it was declined again. Not goin to try on third time seriously but I am not sure what is there criteria to approve application?

PS: I have no relationship with ICICI bank and I am self employee.

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Deal Subedar Deal Subedar
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ICICI don’t like you.

Blogger Blogger
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Same here, have HDFC and AXIS Bank CC, 800+ CIBIL, Adequate ITR, also having the Savings account with ICICI from past 13 years and have closed 2 loans with timely payment, dont know on what basis they declined my APAY CC application! Have been asked to apply after 6 months, lets see

P.S: Wierd thing is, HDFC is ready to give me 4.5Lacs jumbo loan! where my limit is just 1.8Lacs with them and I am not eligible for limit enhancement as of now!!! So I guess its all luck! My jobless friend got Amazon icici CC a month ago…

Pro Entertainer Pro Entertainer
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flawlessking wrote:

Same here, have HDFC and AXIS Bank CC, 800+ CIBIL, Adequate ITR, also having the Savings account with ICICI from past 13 years and have closed 2 loans with timely payment, dont know on what basis they declined my application! Have been asked to apply after 6 months, lets see

They figured flaw in flawless… wink toungueout

Blogger Blogger
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vijkap201 wrote:

Waise heere ke parakh asli johri ko hi hoti hai ..

Waise heere ki parakh to asli johri hi kart sakta hai… stuck_out_tongue_winking_eye

Deal Subedar Deal Subedar
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Yes. At end after verification…
Same case as you😇

Analyst Analyst
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flawlessking wrote:

Same here, have HDFC and AXIS Bank CC, 800+ CIBIL, Adequate ITR, also having the Savings account with ICICI from past 13 years and have closed 2 loans with timely payment, dont know on what basis they declined my APAY CC application! Have been asked to apply after 6 months, lets see

P.S: Wierd thing is, HDFC is ready to give me 4.5Lacs jumbo loan! where my limit is just 1.8Lacs with them and I am not eligible for limit enhancement as of now!!! So I guess its all luck! My jobless friend got Amazon icici CC a month ago…

Quite similar story, I have.

I have ICICI bank Saving Account (20+ years ), Credit Card, Demat Account, Current Account, kids account… good CIBIL, still they never accepted my card request. Wired!

Deal Cadet Deal Cadet
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I also applied for this card recently, it was no doc required but after applying they were asking for ITR.

Can I upload cc statement of another bank instead of ITR?

Deal Cadet Deal Cadet
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SELF EMPLOYED + NO RELATIONSHIP WITH ICICI=
RED FLAGS

u should have applied for icici platinum cc first (itr above 4.80 lacs ) after one bill generation apply for amazon pay, it doesnt matter how many other bank cards u hold…

some people easily got this card without icici account but some like u will have to take long route via icici platinum… @flawlessking @xuseronline

Blogger Blogger
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aniket1587 wrote:

SELF EMPLOYED + NO RELATIONSHIP WITH ICICI=
RED FLAGS

u should have applied for icici platinum cc first (itr above 4.80 lacs ) after one bill generation apply for amazon pay, it doesnt matter how many other bank cards u hold…

some people easily got this card without icici account but some like u will have to take long route via icici platinum… @flawlessking @xuseronline

Good idea, between I was planning to have their credit card against FD and than apply for APAY

Deal Newbie Deal Newbie
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Oh so even ICICI account holders are not able to get this card. I thought getting this card would be the easiest among other cards as it is co-branded card. I am not going to open saving account or FD just to get this card. I will settle with Ace card with 2% cb on amazon.

Flame Flame
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Was interested in this card, applied but faced an issue.. later felt this card was not good, never continued with application

Deal Cadet Deal Cadet
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Applied and got my first credit card , no video kyc, no documents

Deal Subedar Deal Subedar
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Applied today.
No documents asked.
No vkyc done.
Card got approved.
I am surprised because I don’t have any account or credit card with icici.

Can anyone tell how to see card details

Deal Subedar Deal Subedar
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Applied today.
No documents asked.
No vkyc done.
Card got approved.
I am surprised because I don’t have any account or credit card with icici.

Can anyone tell how to see card details

Deal Cadet Deal Cadet
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Applied yesterday night, video kyc done. Today morning approved. Just 772 cibill score & no relationship with ICICI. Having hdfc mileniya, Flipkart axis , SBI Yes bank, RBL card. 2 closed personal loan account.

Deal Newbie Deal Newbie
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Sudarshan61 wrote:

ICICI don’t like you.

You are right, ICICI doesn’t like me.

Deal Subedar Deal Subedar
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samm255 wrote:

You are right, ICICI doesn’t like me.

That’s ok. You are not loosing anything.
Throw ICICI to bin and get better cards..😈

Deal Cadet Deal Cadet
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Knilpatel wrote:

Applied and got my first credit card , no video kyc, no documents

Mine got confirmed 10 days ago .. haven’t got the physical card yet…😢

Deal Newbie Deal Newbie
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I’m self employed , no prior relationship with ICICI, 790+ Credit score while applying. Got the card with 1.8lakh limit.
I’ve heard from a friend who knows people working in ICICI and they apparently told him the decision is made by both ICICI and Amazon so if either of them think its not worth to give u the card they will not approve it for you. I’ve bought stuff worth 2lakh in past 1 year and got approved, my brother almost same credit score got rejected only difference is he barely buys stuff on Amazon(around 10k in last 1 year) .

Missing