They gave a pre approved Zenith + to my wife just a couple of months after she opened an account and it was clubbed with my Ivy account (their premier account). The branch manager even put her as "housewife " even though she has a very decent ITR and income. Still, they issued it instantly. In my case, the branch manager has been fighting with the credit card department, even going up all the way to their national head. Still, everytime they reject it. I have given up but the manager is still trying her best.