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ICICI LTF Cards Campaign (Coral, Rubyx, Sapphiro) for Salaried Individuals from Selected Companies

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sohanjain

sohanjain

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ICICI Bank is offering three premium credit cards— Coral, Rubyx, and Sapphiro—lifetime free for salaried individuals. I am eligible for the Rubyx card, and they are offering a choice between a Visa card or an Amex + MasterCard combo. Which option should I choose? The LTF offer is only available for companies listed on the promotion page: https://campaigns.icicibank.com/credit-card/empaneledCompanies/index.html
 
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It is being handled by the loan sales team, but they are also not unable to find out the application tracking status and do anything on it. And credit card customer care team when called is telling they dont know this reference no. kindly mail to customer care team
 
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varkey said:
I apply on March 1st, Sapphiro, still waiting. Yesterday afternoon I got an SMS saying that my Cibil report was checked. There was no check at the time of application.

On the portal, it shows sanction in progress, with the last updated date as March 4.
Click to expand...

I see the Sapphiro cards in the iMobile app now. The credit limit doubled from earlier but still lower than what was shown initially. However, I think it’s the highest credit limit among other cards.

The portal shows the sanction stage as complete. However I didn’t receive any SMS with the status. I randomly checked the app and saw the cards, then when I checked the loan portal it was shown as sanctioned yesterday.
 
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varkey said:
I see the Sapphiro cards in the iMobile app now. The credit limit doubled from earlier but still lower than what was shown initially. However, I think it’s the highest credit limit among other cards.

The portal shows the sanction stage as complete. However I didn’t receive any SMS with the status. I randomly checked the app and saw the cards, then when I checked the loan portal it was shown as sanctioned yesterday.
Click to expand...
Great !!! Is it showing as an upgrade card or as a new card ? Did you receive any kind of email for this ?
 
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I too applied. I got a call almost immediately after submitting the application. I got Rubyx but asked for Sapphiro (primarily for the BOGO) and he said though salary wise I am eligible my company is not eligible (probably explains why my applications keep getting rejected by many banks). But I will "possibly" (shaayad) get a free upgrade to Sapphiro "in a few months" of using the Rubyx card.

Even though I have a 16-years savings account and 5-years old Amazon Pay card I was treated like a NTB customer. I had to fill up a form, submit payslips, do OTP verification, Aadhar+Digilocker verification (twice), and VKYC. Got a CIBIL hit too, the same day of first application. The entire process took two days. The agent kept following up relentlessly until then. And then it took another two days for the details to appear in the portal. Then a week in the "Sanction" phase before the cards were generated (MasterCard and AMEX) with 3.3L CL (which is different from my APay card). Received the cards three days later.

Have thrown them in the drawer without activating. I have time until the 22nd of this month to activate the cards. Thinking if I should because other than looking realy nice and being of premium quality the Rubyx duo is absolutely useless.
 
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Quick question: I have Amazon pay Icici card and got rubyx approved. My question is does both the existing card and new card share limit or will it be a separate limit?

Pls confirm
 
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varkey said:
New cards, making the total 5 now.
Platinum, Coral, AmazonPay, Sapphiro Amex & Sapphiro Master Card.

No email or SMS after the initial application received SMS and email.
Click to expand...
they rejected my application...does any1 know how can i complain....it seems others have similar existing icici cards as mine and they have got the card...
 
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sampat.rkl said:
How did you confirmed it’s LTF and not a chargeable card ?
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There is no mention of fees anywhere in the letter attached but,

Why do I need to confirm it?

1. It says so on the website
2. It says so on the application form too

If after all this I get charged fees I will just ask them to revert or escalate. Never had this issue with ICICI, using them since 5+ years now. If it says LTF it will be.
 
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bigbyte said:
I contacted ICICI call centre, email support and twitter support and all of them were unable to help. e-mail customer care sent a one line reply that we are unable to trace your application.

However, today I tried logging on the link provided earlier in this thread,
https://loans.icicibank.com/TrackMyLoan/#/tmlLanding/home
And here I could see that my application was captured

View attachment 86320

Will try contacting ICICI loans department with the Application number mentioned here.
Click to expand...
Contacted ICICI Bank again, on phone call and provided them the application number. The executive who took the call said that she will arrange a call back from same executive who took my initial application.
I'm not very hopeful on this. Let's see.
 
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Received both saphhiro amex and mastercard today and also showing i-mobile, but the application status is still as application is in progress. When i Call today customer care for confirmation on saphhiro LTF , they told that it’s FYF and not LTF , no joining fees but need to spend atleast 6 lakhs to waive off the 3500+gst annual fees the next year. I haven’t activated the card yet. Even told customer care agent that the sales manager told it’s lifetime and i even have the application document also showing nil fees, but no impact. what to do next ? wait till 30 days for auto card deactivation ?
as i wont be able to speed 6 lakhs for this card without any significant benefit.
 
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sampat.rkl said:
Received both saphhiro amex and mastercard today and also showing i-mobile, but the application status is still as application is in progress. When i Call today customer care for confirmation on saphhiro LTF , they told that it’s FYF and not LTF , no joining fees but need to spend atleast 6 lakhs to waive off the 3500+gst annual fees the next year. I haven’t activated the card yet. Even told customer care agent that the sales manager told it’s lifetime and i even have the application document also showing nil fees, but no impact. what to do next ? wait till 30 days for auto card deactivation ?
as i wont be able to speed 6 lakhs for this card without any significant benefit.
Click to expand...

Considering the customer care is not even able to track the card application applied through this channel, I wouldn't give much importance to what they say. The application form and all communication was very clear on it being a LTF card. If at all an annual fee is charged, It would be an easy and quick reversal.

Screenshot 2025-03-14 at 3.14.52 PM.webp

My application status on the loans portal shows Sanctioned, but not yet dispatched. However, I got the Sapphiro cards today.
 
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varkey said:
Considering the customer care is not even able to track the card application applied through this channel, I wouldn't give much importance to what they say. The application form and all communication was very clear on it being a LTF card. If at all an annual fee is charged, It would be an easy and quick reversal.

View attachment 86680

My application status on the loans portal shows Sanctioned, but not yet dispatched. However, I got the Sapphiro cards today.
Click to expand...
even i also have the same application document reference where in NIL joining and NIL annual charges was mentioned. So what you suggest ni this regard ? To continue use the card and whenever any charges are applied then use this document as a proof with customer care or escalate higher team for reversal of same ?
 
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