Pre-Approved Coral RuPay LTF Queries

[Master Chief 117]

I got an ICICI Amazon Pay Credit Card about 20 days ago, and now I’m seeing a pre-approved RuPay credit card offer. I have a few questions:

• Is this card a completely new separate offer, or is it an upgrade option for my existing card ? (see attached images)
• I’m looking for a core ICICI card but not interested in RuPay variant
• What’s the cooldown period for ICICI pre-approved credit card offers to show up again if I apply for this ?
• If I decide to skip this card, will they offer me a different variant or maybe a better LTF card than this ?
• Even though it’s pre-approved, is there still a chance it might get rejected, considering I just got a Amazon Pay card three weeks ago?

 

[Dr.AMAN]

I got an ICICI Amazon Pay Credit Card about 20 days ago, and now I’m seeing a pre-approved RuPay credit card offer. I have a few questions:

• Is this card a completely new separate offer, or is it an upgrade option for my existing card ? (see attached images)
• I’m looking for a core ICICI card but not interested in RuPay variant
• What’s the cooldown period for ICICI pre-approved credit card offers to show up again if I apply for this ?
• If I decide to skip this card, will they offer me a different variant or maybe a better LTF card than this ?
• Even though it’s pre-approved, is there still a chance it might get rejected, considering I just got a Amazon Pay card three weeks ago?

- it is a separate offer. U will have both the cards.
- Get the coral LTF now. Useful for ICICI offers where Apay doesnt work and easiest LTF card to get in ICICI.
- After 3-6months u will get other preapproved cards like Rubyx/Sapphiro in MC/Amex variants (mostly paid only)
- Because it is preapproved so 100% it will be approved without Cibil hit.

 

[asm07]

I logged into netbanking today and saw exact same offer. I'm getting another Coral rupay under rupay cards offer in netbanking. I already have coral ltf for 2 years, don't understand why is it showing again. Also if it's ltf then why have they mentioned spend limits? Saw some posts from 2023, 2024 where users have got multiple cards, it doesn't make any sense to get multiple same variant cards when limit is shared between cards in icici.

In your case, just get a written confirmation once from icici whether it's ltf or not then proceed. Users have got pre-approved coral within a month of joing icici apay so it's not unusual.

 

[Master Chief 117]

I logged into netbanking today and saw exact same offer. I'm getting another Coral rupay under rupay cards offer in netbanking. I already have coral ltf for 2 years, don't understand why is it showing again. Also if it's ltf then why have they mentioned spend limits? Saw some posts from 2023, 2024 where users have got multiple cards, it doesn't make any sense to get multiple same variant cards when limit is shared between cards in icici.

In your case, just get a written confirmation once from icici whether it's ltf or not then proceed. Users have got pre-approved coral within a month of joing icici apay so it's not unusual.

Limit will be shared between Amazon Pay & Coral RuPay ?

 

[asm07]

Limit will be shared between Amazon Pay & Coral RuPay ?

Yes. That's how icici cards work. Anyway, you should accept the offer after confirming if it's ltf or not. It's a core card and rupay is not a bad thing. Can be used in upi and would get discount offer during sales as well.

 

[asm07]

Are you still seeing the joining 0 + annual 0? For me it's slightly changed now, joining has become 500 😅

 

[Master Chief 117]

Are you still seeing the joining 0 + annual 0? For me it's slightly changed now, joining has become 500 😅

Same here, Joining Fee ₹500 & Annual Fee ₹0
Never seen this kind of offer before where joining fee is charged but no annual fee

 

[agd19682]

I am also getting this <Joining Fee ₹500 & Annual Fee ₹0> offer for the ICICI Coral card. My question to the other members is - Is it really worth getting this card? I don't see any special benefits of getting this card? The card in itself doesn't offer anything great and simply getting the card for the sake of UPI is not that appealing.

 

[Dr.AMAN]

I am also getting this <Joining Fee ₹500 & Annual Fee ₹0> offer for the ICICI Coral card. My question to the other members is - Is it really worth getting this card? I don't see any special benefits of getting this card? The card in itself doesn't offer anything great and simply getting the card for the sake of UPI is not that appealing.

Not worth it. I have LTF coral card and havent used it in 10 months. If u dont have any other core ICICI card then u can keep thr coral card. But wait for the ltf offer again. Paying Rs 500 joining fee for this card is worthless

 

[asm07]

I am also getting this <Joining Fee ₹500 & Annual Fee ₹0> offer for the ICICI Coral card. My question to the other members is - Is it really worth getting this card? I don't see any special benefits of getting this card? The card in itself doesn't offer anything great and simply getting the card for the sake of UPI is not that appealing.

Only if ltf and if you don't have any core card from icici then only you should get it, otherwise no. I don't know if it's a glitch or not, I already hold coral rupay ltf for two years still I'm seeing this 😂. Earlier also when joining and annual was showing zero, fee waiver condition of 300000 was written below, didn't make any sense. Doesn't make any sense now either, what does it mean by annual fee zero then? First year free with no gst mentioned for joining fee unlike other icici cards 🤭