• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Amazon Pay ICICI credit card wallet loading issue

Apply For Lifetime Free IDFC First Credit Card
I

iM23

TF Premier
My Amazon Pay ICICI credit card was activated on last 31 May, 2024. The first transaction I did was Mobikwik wallet loading of 1k as I read many users use the card to load wallet to get 1% cashback. The transaction was successful and I also received the cashback. Then I did a transaction on Amazon. But when I again tried to load Mobikwik wallet amounting 1k, I received this message - Screenshot_20240603_055302_Messages.jpg
So, I called ICICI customer care and they said that the Amazon Pay ICICI credit card is a retail credit card, so loading wallet or fund transfer transactions may be treated as fraudulent transactions and if I want to transfer fund, I have to use their business cards.

They also said at first that as loading wallet is a fund transfer transaction, to do that my card has to be normalised from their end and if any fraud happens for that, the bank won't be liable for that.

But they also told as my card is new, so the transaction got declined, after a few days this issue shouldn't happen.

Has any of you faced the same issue? And has ICICI blocked anyone's card for this reason?
 
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
helloworld said:
this true.. use slowly for these places once you improve relationship with bank everything smooth till then transact wisely.
Click to expand...
Thank you, but I already have 2 other ICICI cards and use one of them almost everywhere for UPI. That card is 3 months old. Could you please explain the "improve relationship" thing so that I can understand it better?
 
Upvote 0 Downvote
iM23 said:
Thank you, but I already have 2 other ICICI cards and use one of them almost everywhere for UPI. That card is 3 months old. Could you please explain the "improve relationship" thing so that I can understand it better?
Click to expand...

give a training period for each card upto 6 months. this is testing phase, anything you do in this period majority of the banks monitor and active accordingly. Like, blocking excess wallet loads, excess gold purchases, excess tax/rent payments etc. Again, this excess is variable parameter and varies from 1000rs. to 1L to 10L depends on your association with that bank/card.

Also, if you hold multiple cards from that bank it depends on account level. Ex: In ICICI you have majorly 3 CIBIL accounts, 1 - for all gemstones, 1 - cobrand, 1 - amzn. So, having improved relationship with 1 account doesn't help another new account. Or simple words consider 6 months period for each card.
 
Upvote 0 Downvote
helloworld said:
give a training period for each card upto 6 months. this is testing phase, anything you do in this period majority of the banks monitor and active accordingly. Like, blocking excess wallet loads, excess gold purchases, excess tax/rent payments etc. Again, this excess is variable parameter and varies from 1000rs. to 1L to 10L depends on your association with that bank/card.

Also, if you hold multiple cards from that bank it depends on account level. Ex: In ICICI you have majorly 3 CIBIL accounts, 1 - for all gemstones, 1 - cobrand, 1 - amzn. So, having improved relationship with 1 account doesn't help another new account. Or simple words consider 6 months period for each card.
Click to expand...
I got your point. But the thing is I have a co-branded and a gemstone card which I got in a pre-approved offer after getting the co-branded card. And no CIBIL hit was there for the gemstone card. As per the latest cibil report there was no CIBIL hit even for the Amazon Pay card.
 
Upvote 0 Downvote
iM23 said:
I got your point. But the thing is I have a co-branded and a gemstone card which I got in a pre-approved offer after getting the co-branded card. And no CIBIL hit was there for the gemstone card. As per the latest cibil report there was no CIBIL hit even for the Amazon Pay card.
Click to expand...

amzn will create different account in cibil, just wait .. ICCI slow in updating cibil. you'll understand better.

for now, amzn card is new so make all kind of transactions instead of only sensitive categories as mentioned.

Thread 'Number of accounts in Cibil when that person hold multiple cards from same bank' https://www.technofino.in/community...rson-hold-multiple-cards-from-same-bank.3087/
 
Upvote 0 Downvote
I have 5 year old apay card with 5lakh cc limit, still i am having the exact same problem. after 50k i am getting this transaction failed issue. same text message, same reply from customer care. untill last month i was able to do transactions around 2-3 lakh amount easily
 
Upvote 0 Downvote
manish1161 said:
I have 5 year old apay card with 5lakh cc limit, still i am having the exact same problem. after 50k i am getting this transaction failed issue. same text message, same reply from customer care. untill last month i was able to do transactions around 2-3 lakh amount easily
Click to expand...
Mine Apay cc is also almost 6 years old, and i hve been using my cc fo amazon wallet load for almost 70k each month, but last month (December 2024), walletwas loaded with out any issue, but wallet to bank transfer was restricted to some amount, as after transfering 50k, i got alert, 'user limit of transfer exceeded'. So, i think there is no restriction on loading, but yes defenetly they have placed a limit on wallet to account transfer.
 
Upvote 0 Downvote
I got this issue on my Amazonpay new card(got in Dec 24 end). I called customer care and they mentioned the same fraud use-case. I said enable it. They enabled it after mentioning bank is not liable for loss of money. It also happened with Payzapp wallet and Mobikwik wallet as well but now loading works.
 
Upvote 0 Downvote
I also got this for adding to wallet using and when called they say I was doing it frequently but I actually did only 2-3 transactions in month all below 15k. They asked me why I am doing this I told this is needed for smaller transactions when card doesn't work. Then they said they will allow after an hour or I can try. But now I keep it minimal like 2-3 transactions in a month small amount less than 10k in one transaction. It works fine. Same time I have seen HDFC Cards never work on any wallet load other than payzapp- no message no call- it simply doesn't work.
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

EnthuCC
  • Question Question
Does Amazon Pay ICICI card provide 2% cashback on Amazon Pay Wallet load?
Replies
45
Views
3K
Abhishek012
A
saniruidas
  • Question Question
Suggestion for Amazon pay ICICI CREDIT CARD Application approval.
Replies
56
Views
2K
mailmenow
M
friends2b11
  • Question Question
Total Card Utilization- ICICI Amazon Pay Credit Card Apply
Replies
7
Views
250
hender
H
Master Chief 117
  • Question Question
Amazon Pay ICICI Credit Card
Replies
41
Views
2K
sonuJai
S
Visith
  • Question Question
Devaluation AU LIT card wallet load limit reduced to 10% of credit card limit per month?
Replies
38
Views
1K
drsel
drsel
Back
Top