Only Premium & Super Premium Cards Discussion

[RewardsAlert]

Recently I saw one of the community members to post a thread in public related to ICICI Rubyx joining benefits.

Recently(13th May) I have upgraded my ICICI credit card to ICICI Rubyx Credit Card. Next day(14th May) Joining Fees was charged in my bill. I paid my joining fees the very same day. But due to some reason I closed the card on 15th May and got my fees reversed on 18th May( yesterday). But today(19th May) all of sudden I received the message from ICICI Bank with Free Coupons details.


I think this trick can be used for MMT Platinum and MMT Signature credit cards because ICICI is a bit ignorant Bank.
Update: The joining fee charged for the concerned card will be automatically reversed in your other ICICI Card that you're already holding.
You can simply use Paytm wallet or any other source to get that money out.

They don't have a limit of maximum number of cards per person, so I belive it will not be reversed like Axis Bank did for Reserve Card.

Please share your thoughts.

 

[D₹V]

Great share.

Coupons worth?

 

[RewardsAlert]

Great share.

Absolutely worth it coupons are there.
I think we can give it a shot, since it's ICICI. (Doesn't sees anything) 😁

 

[jaimingandhi64]

Guys I got saphhiro as LTF but didn’t get any welcome benefits. I got priority pass that’s it
Any one aware about welcome benefits for the Saphhiro card?

 

[D₹V]

View attachment 17942

Absolutely worth it coupons are there.
I think we can give it a shot, since it's ICICI. (Doesn't sees anything) 😁

Hmm.

FYI, this is the most sought group on technofino 🔥✨😉.

You're nailing it.

 

[arn]

so we need to apply for a New MMT signature card, wait for delivery, pay fee, and next day close it ?

or I just need to apply for a reissue of MMT card if already having ?

 

[RewardsAlert]

so we need to apply for a New MMT signature card, wait for delivery, pay fee, and next day close it ?

or I just need to apply for a reissue of MMT card if already having ?

It works only for new ICICI Cards.
No need to apply again, just call customer care, they issue it in one minute.

This doesn't work for replacement cards.
Also, it's suggested that you try for Rubyx card first, because 1. The joining vouchers are more than fees, so even if it doesn't work then you're not at loss. 2. Someone has already tried and tested with Rubyx, so more chances.

 

[CP24]

Recently I saw one of the community members to post a thread in public related to ICICI Rubyx joining benefits.

Recently(13th May) I have upgraded my ICICI credit card to ICICI Rubyx Credit Card. Next day(14th May) Joining Fees was charged in my bill. I paid my joining fees the very same day. But due to some reason I closed the card on 15th May and got my fees reversed on 18th May( yesterday). But today(19th May) all of sudden I received the message from ICICI Bank with Free Coupons details.


I think this trick can be used for MMT Platinum and MMT Signature credit cards because ICICI is a bit ignorant Bank.

They don't have a limit of maximum number of cards per person, so I belive it will not be reversed like Axis Bank did for Reserve Card.

Please share your thoughts.

ICICI reverses joining fee if we close the card after paying it? Sorry, this might be a noob query. Never held any ICICI card before, so no idea.

 

[RewardsAlert]

ICICI reverses joining fee if we close the card after paying it? Sorry, this might be a noob query. Never held any ICICI card before, so no idea.

Yes ICICI will reverse the fees to your card.
Even most private banks reverse your card joining fees if closed within 30 days or so.

 

[CP24]

Yes ICICI will reverse the fees to your card.
Even most private banks reverse your card joining fees if closed within 30 days or so.

Oh, I wasn't aware of this. Thanks.

 

[cardwizard]

Yes ICICI will reverse the fees to your card.
Even most private banks reverse your card joining fees if closed within 30 days or so.

ok, and when it is reversed, how do we get it back? Is it in original mode of payment? Since we had already paid the fees.

 

[RewardsAlert]

ok, and when it is reversed, how do we get it back? Is it in original mode of payment? Since we had already paid the fees.

I have not tried for ICICI, so will not comment for that.

But for Axis, they refund the fees to a bank account you give them.
They ask for a cancelled cheque, and then deposit the amount to that account within 2-3 days.

For ICICI, someone with experience can guide.

 

[cardwizard]

I have not tried for ICICI, so will not comment for that.

But for Axis, they refund the fees to a bank account you give them.
They ask for a cancelled cheque, and then deposit the amount to that account within 2-3 days.

For ICICI, someone with experience can guide.

Yeah then better to know beforehand itself regarding the TAT for that amount to credit back to our account. Safe to redeem vouchers after that.

 

[Banking101]

Can I call the customer care and request to upgrade my Platinum credit card to a Ruby X card?

 

[Banking101]

@RewardsAlert If you don't mind sharing, what reason did you provide to the customer care when requesting the cancellation of your card, considering that they can observe the payment of fees? It may seem unusual for someone to cancel a card after paying the fees, so did they find it peculiar or ask for further detail?

 

[RewardsAlert]

@RewardsAlert If you don't mind sharing, what reason did you provide to the customer care when requesting the cancellation of your card, considering that they can observe the payment of fees? It may seem unusual for someone to cancel a card after paying the fees, so did they find it peculiar or ask for further detail?

Actually I have already clarified in the Original Post itself that this trick is not original to me.

It was posted by a TF Community user in public threads, and I just explained it further.
As per me, there is no need to worry about the thought process of customer care.
Just tell them agent missold the card and told false benefits, I am already having other premium cards like Magnus and so Rubyx is an ant in front of them, hence close it.

They will agree and close. One fact is also that, ICICI Customer care is literally dumb, they don't even know basic protocols, only Wealth Management cc is good.

You can try out this trick, In my opinion it's harmless.
Thanks

 

[hireng]

Great trick. but whether it will work with mmt signature card or not is dicey, coz they deliver the benefits after 45 business days ~ 2 months also in my case I completely forgot about it so after 6 months when it occurred to me that I am missing these benefits, I started following up and then they manually credited it. Did anyone had to manually ask for it or was it automatic?

 

[NOOBY]

Guys I got saphhiro as LTF but didn’t get any welcome benefits. I got priority pass that’s it
Any one aware about welcome benefits for the Saphhiro card?

Generally, LTF cards are not eligible for welcome benefits

 

[jaimingandhi64]

understood

Generally, LTF cards are not eligible for welcome benefits

 

[Banking101]

I have upgraded my card to Saphiro, but they have not charged me the joining fee yet. I am waiting for the statement generation before I activate my card.