Hey guys,
This is my first time using a credit card and I’m a bit confused and hoping someone here can help me make sense of this.
I got my Apay ICICI credit card on April 4th with a credit limit of ₹1.2L. So far I have noticed that ICICI usually reports to the credit bureau every 1.5 months...
I have EPM and 3 add on cards. Because of 12000/- worth amazon voucher per month limit on ishop, I am planning to open ICICI accounts for my add on cards for my family members, and hence a separate ishop for all of them. My question - will the base and accelerated reward points be credited to...
Hey!
I have been using ICICI for 3+ years and me & father combined have over 50L+ in FD+ saving accounts with icici. There are other relation with bank as well in terms of house loan (~15L left) and current account, business OD etc.
I want to get Sapphiro or emerald LTF. My spends are little to...
Just curious—any fellow add-on card users here who’ve shopped through the iShop portal? Did you actually get any accelerated rewards for those transactions? If not, is the add-on card really just good for lounge access and milestone perks?
Hi All,
I have received an offer to upgrade my ICICI credit card to the Rubyx Mastercard (Dual Card), and I have a few queries regarding the same:
The offer mentions that the joining and annual fees are NIL — does this mean it is a Life-Time Free (LTF) card?
I currently hold two ICICI credit...
Hello,
I bought icici elevate insurance last year around in October. I paid for 3 years.
I recently got married. I would like to add my wife in same policy.
What's the experience if someone has done it? (either in icici elevate or some other retail insurance)
What is the cost, benefits...
I just got issued with icici sapphiro dual with pp in kit. I can't find for sure if international and domestic lounge access without any spend criteria?
Hi,
I applied for a ₹2 Cr home loan with ICICI and was assured by my Loan RM that after disbursement, my existing Emeralde card would be upgraded to the EPM variant. This was one of the key factors in choosing ICICI for my home loan.
However, post disbursement, the RM started ignoring my...
I just received dual version of icici sapphiro as ltf but with just 5 lac limit. My other icici Amazon pay card has limit of 8 lac. Why did they offer me sapphiro with less limit?
Also can I expect they someday upgrade me to emerald pvc as ltf?
Just wanted to share my recent experience upgrading from ICICI Sapphiro (dual variant, LTF, ₹15L limit) to the Emerald Private Metal card. I’ve had the Sapphiro for over a year now, and for the past 6 months or so, the Emerald PVC was showing up as an upgrade option on iMobile – but only as a...
Hello,
I am planning to take a personal loan of 175K IR. I am having an offer from HDFC at RoI of 13.2 % p.a. (1.1% pm) provided ZERO processing fee and other charges. Also, I do have CCs from Axis, ICICI and HSBC. Is there any public / private bank which offers lower interest rate. My CIBIL...
Hi,
Received a message from ICICI Pru that from next month my Payment through Credit Card will attract 1.25% even on Auto-debit facility, it ask me to convert Auto Debit to UPI or Net-banking.
What are alternatives?
I am getting ICICI Emralde Credit Card for upgrade with a joining feed for 12000. Is worth it. ??. I am also getting Axis Atlas Pre approved too. ?
What i should do. ?
Since this month the QR code that is on every ICICI credit card bill is not working. Apps give an error saying invalid QR code (benefeciary UPI id incorrect) . The upi address for the QR code is in the format of ccpay.16digit_credit_card_number@icici
Anyone else facing same issue?
Does ICICI update credit bureaus about the enhanced credit limit? Or it does not?
Got a credit limit enhancement on Sapphiro 15 days back, but the latest CIBIL report shows the initial credit limit only.
Hello everyone,
I'm seeking advice regarding a prolonged and unresolved issue with ICICI Bank involving the non-reporting of my credit card account to CIBIL for over 6 months, despite it being correctly reported to other bureaus like Experian and CRIF.
Key Timeline:
Credit Card Issued: 10...