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CLE in ICICI’s Recent iMobile version - Sept 2025

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Jatayu said:
I thought app got updated today or yesterday as you mentioned new version. This was last month's update. And I again didn't get any LE sadly. Stuck on 5.1L from last 2 years. Though it's not too low but still less than my other CCs
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tappukepapa said:
Mine still on version 23.0, no update on play store.
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It seems not everyone is on this August version yet..
Anyway ICICI refreshed both netbanking and iMobile recently..with some UI changes...
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To avoid confusion, I replaced "New" with "Recent" in the title
 
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SSV said:
You have wealth account?
I think we were discussing this start and stop technique last year right??
I vaguely remember about the conversation
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Yes, we were discussing, but I decided to proceed against it because they asked to move the account to wealth branch which was far away from my home, lol.
 
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Lordkk said:
I stopped using ICICI card since last 4 months. Will use in the upcoming sales.

I have a Mine account may be that's the reason they are not giving me any limit enhancement.
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That can't be the reason. I have Mine account too where I have very low balance and I hardly use that account. I have been periodically getting LE.
 
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sovon said:
18L 🫡🫡🫡 😱😱😱😱
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tharun said:
Looks like you won't get CLE from SBI 😂😂😂 this time
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After a careful thought, took the LE on my sapphiro and left Apay as it is..
Also reduced spend limit to 9L and let’s see what will be reported to CIBIL

1757679901754.webp
 
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SSV said:
Probably..
What is this mine account?? Is it some very basic account??
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The ICICI Mine account is basically a zero balance savings account offered by ICICI Bank. It was introduced around 2019 (not sure of the exact year) and was available for a limited time.


It’s a full-fledged ICICI account, not a basic or restricted one. The main highlight was that it had no minimum balance requirement, without any hidden conditions.


The only charge associated with it was for the debit card, but even that could be avoided — you could simply choose to block or not request a debit card if you only wanted the account.

This account was good for getting pre-approved offer, I know many friends of my getting pre-approved mine cc with decent limit and after that getting apay card.
 
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moglibhai said:
The ICICI Mine account is basically a zero balance savings account offered by ICICI Bank. It was introduced around 2019 (not sure of the exact year) and was available for a limited time.


It’s a full-fledged ICICI account, not a basic or restricted one. The main highlight was that it had no minimum balance requirement, without any hidden conditions.


The only charge associated with it was for the debit card, but even that could be avoided — you could simply choose to block or not request a debit card if you only wanted the account.

This account was good for getting pre-approved offer, I know many friends of my getting pre-approved mine cc with decent limit and after that getting apay card.
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Then it seems it won't cause any issues with regard to LEs as it is useful for pre approved offers
Thanks for the info..
It seems it is a full fledged account
 
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Lordkk said:
I stopped using ICICI card since last 4 months. Will use in the upcoming sales.

I have a Mine account may be that's the reason they are not giving me any limit enhancement.
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That’s not the case, brother. Two of my friends also have ICICI Mine accounts, and they still got 4 times LE. Right now, both of them are holding ICICI credit cards with a ₹7 lakh limit & another with 6.4L near about.


So, having a Mine account doesn’t restrict limit enhancement. It probably depends more on usage, repayment history, or other internal factors.
 
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SSV said:
Then it seems it won't cause any issues with regard to LEs as it is useful for pre approved offers
Thanks for the info..
It seems it is a full fledged account
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Exactly! It’s a full-fledged ICICI account — no restrictions just because it’s a Mine account. Glad the info helped 😊


And yes, it’s fully eligible for limit enhancements and pre-approved offers, just like any other ICICI savings account and have seen my friends getting LE without parking any balance in their saving account
 
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SSV said:
After a careful thought, took the LE on my sapphiro and left Apay as it is..
Also reduced spend limit to 9L and let’s see what will be reported to CIBIL

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Wow, that’s a huge jump — from 9L to 18L! 😳
Now I’m wondering and bit confused too… is it actually beneficial to accept such a high limit increase?
Could it end up showing as high available credit or excessive leverage to other lenders and affect future approvals?
 
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