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Pre approved credit card icici

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Deal Newbie
hardikgala77908

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? 

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Deal Subedar Deal Subedar
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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.

Deal Newbie Deal Newbie
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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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Beacon Beacon
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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?

Deal Cadet Deal Cadet
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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.

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

Deal Cadet 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?

Critic Critic
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Check my reply in other thread.

Deal Cadet 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.

Benevolent Benevolent
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Share screenshot

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Deal Cadet Deal Cadet
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Weird. I too checked icici ib out of curiosity and i have the same offer of coral pre approved as @Alpha_Lion . I already have amazonpay so not thinking of applying. I am trying for hdfc.

Mobile Guru Mobile Guru
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The only time I use my coral card is for FK Bank offers (Apay Card excluded) else it remains unused smile
Previously used to avail BMS B1G1 offer every month

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Deal Cadet Deal Cadet
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Ohh smile Also isnt amex coral better than visa coral?

Deal Cadet Deal Cadet
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Which Variant of Coral is offered by them, as Pre-approved Card?

Rather which I should get? VISA is good one?

No idea about Amex, as only used Visa, Mastercard and Rupay DC till now.

Deal Cadet Deal Cadet
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Things have changed quite a lot now. I got my amz pay card last year in june without any itr etc. It was my 2nd card with my first being FD based simplyclick. The verification guy told me that the card approval depends on your relationship with amazon like account history etc so dont know may be he was correct or not.
Recently i have read some threads on DD on the requirement of approval for amzpay card. Based on that i could deduce these but i will be definitely not 100% correct too.
ITR of minimum 4 LPA, this is sure shot i think.
Existing relationship with icici with CC or a good amt of balance or FD etc longer than a year.
Also your cibil score being above 780 can help.
Again these are just my observations from the things i read on DD.

Deal Cadet Deal Cadet
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I don’t know, Why ICICI Bank has gone nuts.

They are acting as if its their premium level CC. If is it so then make APay CC chargeable and if its Life Time Free Card then make it easily accessible like other entry level Credit Cards.

There is huge rejection rate for this particular CC.

These idiots are bearing cost for KYC and also person from their local agency will also visit home / office premises for further verification and after that they are rejecting it without giving any explanation or revealing exact criteria for approval.

I have told their CC to write their Eligibility Conditions in Black & White and in Bold Letter on the Card Application page itself, so that unnecessary troubles and frustrations upon application rejection can be minimised and even customer will apply next time only when he is qualifying their crieteria.

But these weirdos are keeping their brains into lockers. rage rage rage

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Deal Cadet Deal Cadet
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I am also being offered visa. Its quite basic honestly, not much offers on it. AMEX has that swaggy feel if you know what i mean sunglasses

Deal Cadet Deal Cadet
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swaggy flushed

Visa, Mastercard and Rupay are general coaches and Amex is 3 Tier AC Coach?

laughing laughing laughing
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Deal Cadet Deal Cadet
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If you apply for coral now than wait atleast 3 more months, 6 months for more safety and try to go for amzpay. You could get pre approved and card will be generated directly.

Deal Cadet Deal Cadet
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Okay, I will do the same.

Deal Cadet Deal Cadet
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Guys I booked regular FD in icici. After that i got the option to avail credit card on it (desktop site). I clicked on it and my instant platinum card was generated instantly without fetching my cibil score.

Now after a few days I got option of Coral LTF card under savings and deposit section but it shows no pre approved limit. On clicking apply now it gives a form to fill. Has anyone applied in this way. Please care to tell.

Deal Cadet Deal Cadet
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Same situation. no pre-approved limit is showing. but I don’t have any CC earlier.

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Deal Newbie Deal Newbie
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I am Getting Pre qualified Coral Credit Card With Limit Of 50k
it’s Mentioned That No. docs Will Be Required.

Can Anyone Tell Is It Different Then Pre-approved (Like In HDFC or Axis)

Also I wanted to Have Rubyx Should I wait for that Or not.

Deal Cadet Deal Cadet
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I got this offer 3 times, 1st on 10 august , with 75k limit, 2nd on 10 october with 1.25lac limit, 3rd on 10th december with now 1.5 lac limit, 1st and 2nd time both when i applied i got SR no and then i got a call and agent asked me the SR no and forwarded my request then on next day i received a call asking income source with net income in my itr , i said 4 lac they denied and cut the call. I received same msg to apply after 6 months. This time when i tried to apply i got ERROR, SR for this service is already in open state. I am not able to apply, i am a privilage customer maintaining 2 lac plus avg balance. Still icici bank not giving me card, i complained and agent called me and said minimum itr should be 6 lac, my friend also got same offer with 75k limit, when agent called him he said itr he filed is 9 lac plus then agent approved the SR no. And within 10 mins his coral card was showing in imobile, no verification nothing done just he said the itr 9 lac plus on call and guess what he got 1.05 lac limit. I don’t understand what is the issue with icici bank. My friend got the card and now he closed the savings account , now he holds LTF icici coral card only.

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Deal Newbie Deal Newbie
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hi, i got msg from ICICI ,that i am eligible for pre-approve CC, what about documents and verification. how much % chances of getting the card ?

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