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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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Deal Cadet Deal Cadet
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HDFC

Mobile Guru Mobile Guru
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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

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

Deal Subedar Deal Subedar
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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.

Deal Lieutenant Deal Lieutenant
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Which card they offer for icici pockets account?

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Deal Cadet Deal Cadet
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Going with Axis then. But does it have any hidden charges?

Generous Generous
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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.

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

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Helpful Helpful
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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…

Deal Lieutenant Deal Lieutenant
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How to apply on card to card basis?

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Benevolent Benevolent
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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 ??

Deal Subedar Deal Subedar
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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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Helpful Helpful
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why dont u get an FD in ICICI /HDFC / SBI and get a cc easy and fast

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