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Got a pre-approved icici cc

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Rahul Gupta

Rahul Gupta

TF Legend
Verified User
Hi, i opened a regular savings account in icici on 29.aug.2022 and today i received a pre-approved instant card with 1 lakh limit. The cards offered are Coral LTF, hpcl supersaver and makemytrip platinum.

I was maintaining above 7 lacks all the time with heavy transactions but still icici gave me a low limit of 1 lakh.

If i don't take the card now, what will happen? I mean they will increase offer limit or not? i am very frustrated now.
 

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souvikr said:
1 lakh limit is pretty decent if this is your first icici card. Limit will increase automatically if you use your card regularly for proper purchase transactions (excluding money rotation transactions, if any). I got a limit of 80k an my first icici card (apay) which got increased to 2.8 lacs within 1 year. At that time I didn't even had an icici account.
Click to expand...
How was your card usage
 
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Batmanbaba said:
If u take apay card first.. U will never get any pre approved offer or card upgrade offer from icici.. So better take a normal card then apay. And limit they will increase.. 1 lakh is a decent limit... As u will mostly use it in offers only.... Icici is not for rewards
Click to expand...
I know about apay card user not get normal ltf card.

Let me explain why this limit is low in my case, recently i went to buy a refrigerator side by side door worth 1.4 lacks and they had a offer on icici card for 7k discount. I do atleast one big transaction every quarter and thats why i need higher limit.
 
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Rahul Gupta said:
I know about apay card user not get normal ltf card.

Let me explain why this limit is low in my case, recently i went to buy a refrigerator side by side door worth 1.4 lacks and they had a offer on icici card for 7k discount. I do atleast one big transaction every quarter and thats why i need higher limit.
Click to expand...
Don't regret much if you miss this offer because with sbi cashback/apay/flipkart axis you can get 7k cashback on 140000 anytime.
 
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Rahul Gupta said:
I know about apay card user not get normal ltf card.

Let me explain why this limit is low in my case, recently i went to buy a refrigerator side by side door worth 1.4 lacks and they had a offer on icici card for 7k discount. I do atleast one big transaction every quarter and thats why i need higher limit.
Click to expand...
Who buys 1.4 lakh refrigerator.... Bhai ye case to ni..
news.abplive.com

With Sharaddha's Chopped Body In Fridge, Aftab Brough Home Another Date: Report

As per the Express report, Aftab dated another woman through the same dating app through which he met Shraddha. He brought the woman, a psychologist, to his flat one to two times between June and July
news.abplive.com news.abplive.com

😢
 
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Rahul Gupta said:
Hi, i opened a regular savings account in icici on 29.aug.2022 and today i received a pre-approved instant card with 1 lakh limit. The cards offered are Coral LTF, hpcl supersaver and makemytrip platinum.

I was maintaining above 7 lacks all the time with heavy transactions but still icici gave me a low limit of 1 lakh.

If i don't take the card now, what will happen? I mean they will increase offer limit or not? i am very frustrated now.
Click to expand...
Can you tell me where exactly could you see this?
 
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Batmanbaba said:
Who buys 1.4 lakh refrigerator.... Bhai ye case to ni..
news.abplive.com

With Sharaddha's Chopped Body In Fridge, Aftab Brough Home Another Date: Report

As per the Express report, Aftab dated another woman through the same dating app through which he met Shraddha. He brought the woman, a psychologist, to his flat one to two times between June and July
news.abplive.com news.abplive.com

😢
Click to expand...
Nhi lol. Fridge me display h toh mummy ko kam ata h recipies dekhne me aur video songs sunne m borr nhi hoti.
 
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Wealth is my birth right! said:
Mmt platinum waste only signature best
Click to expand...
Platinum is basically free while you need to pay some amount for signature for which you only get 1 international lounge access per year

For someone who only wants icici card for offers, I think MMT Platinum is the best option as you also get 1 domestic lounge access for quarter + 1 railway lounge access per quarter
 
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NOOBY said:
Platinum is basically free while you need to pay some amount for signature for which you only get 1 international lounge access per year

For someone who only wants icici card for offers, I think MMT Platinum is the best option as you also get 1 domestic lounge access for quarter + 1 railway lounge access per quarter
Click to expand...
Yes but in platinum that local lounge to be free u should spend min 5k on that card in last quarter pls note
 
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