Only Premium & Super Premium Cards Discussion

[Salvo08]

Dear fellow members,

IndusInd Bank (not verified): Same as ICICI you can mail their cust care team, and state some good reasons, as to how your limit is quite low and unacceptable as per your other cards in CIBIL. you can also offer them to match the limit of highest card in CIBIL.
These methods that I have mentioned above are purely subjective in nature, there is no pre determined outcome that can be observed by trying them.
Also this works best in case your card hasn't received any LE in 1 year or more.
This majorly depends upon your "internal banking score" of the concerned bank and highly on your negotiation and convincing skills.
Kotak, ICICI and Amex are the banks that have honoured the LE manually without requirement of income docs.

If anyone of you knows any other bank which grants LE based on similar methods, do comment below.

Have tried this with IndusInd last month and the buggers do not even respond. They do not acknowledge your mail and do not even respond to reminders.

 

[RewardsAlert]

Have tried this with IndusInd last month and the buggers do not even respond. They do not acknowledge your mail and do not even respond to reminders.

I have clearly mentioned about IndusInd that it's not verified.
This was based on some assumption from my end. But as you have clarified it, I'll remove from the original post.

 

[RewardsAlert]

How about approaching RM?
I geuss most of the members are HNI. So many must have a dedicated RM.
Please share your views.

Approaching RM is wonderful if your RM is cooperative and not trying to sell any products, which is not usually the case.
They generally want something in return if they are offering a special approval or extra service.

 

[D7162]

Sent ICICI an emotional mail 🤣 , they called and told me that My other card doesnt have any LE offer but they can take LE for apay card (I am confused as they are giving shared limit) and they asked for salary slip/ITR/last4 digit of my salary account - Although my account was salary account but didnt shared as No more salary is being credited - but they took request on basis of ITR and told me to wait for 8 working days to complete that. Lets see how much rise they will give. I dont expect much like @anirban.choudhury who have to count zeros for new limit 😛

 

[Dr-green69]

W

Sent ICICI an emotional mail 🤣 , they called and told me that My other card doesnt have any LE offer but they can take LE for apay card (I am confused as they are giving shared limit) and they asked for salary slip/ITR/last4 digit of my salary account - Although my account was salary account but didnt shared as No more salary is being credited - but they took request on basis of ITR and told me to wait for 8 working days to complete that. Lets see how much rise they will give. I dont expect much like @anirban.choudhury who have to count zeros for new limit 😛

If u dont mind can u share what is ur current apay limit and how much is ur itr? U

 

[D7162]

W

If u dont mind can u share what is ur current apay limit and how much is ur itr? U

Combined limit is 5.3 - ITR is not that high

 

[It_is_Naruto]

In case anyone was looking for a relatable case with successful execution!

View attachment 19006

For ICICI, if you are not getting good support from usual customer care team, try twitter handle " icicicares". My experience has been great . In May23, I was able to increase limit of my 1 month old Rubyx card basis HDFC statement. Here is the timeline I experienced :

Day 1 - Dm to @ICICIBank_Care
Day 2 - call from care team, explain the requirement.
Day 3 - email confirming that the request is in progress.
Day 7 - call with confirmation of request completion followed by email.

Just try, twitter handling team is better in understanding and execution.

@RewardsAlert
@bvc19296
@Tosh
@HyperBeast

 

[RewardsAlert]

For ICICI, if you are not getting good support from usual customer care team, try twitter handle " icicicares". My experience has been great . In May23, I was able to increase limit of my 1 month old Rubyx card basis HDFC statement. Here is the timeline I experienced :

Day 1 - Dm to icicicares
Day 2 - call from care team, explain the requirement.
Day 3 - email confirming that the request is in progress.
Day 7 - call with confirmation of request completion followed by email.

Just try, twitter handling team is better in understanding and execution.

@RewardsAlert
@bvc19296
@Tosh
@HyperBeast

Would you give us an idea, about what was your HDFC card limit.

Also ICICI card limit before and after increase.
It'll help to understand how much ICICI is able to match basis of C2C.

 

[TheTrickySid]

For ICICI, if you are not getting good support from usual customer care team, try twitter handle " icicicares". My experience has been great . In May23, I was able to increase limit of my 1 month old Rubyx card basis HDFC statement. Here is the timeline I experienced :

Day 1 - Dm to icicicares
Day 2 - call from care team, explain the requirement.
Day 3 - email confirming that the request is in progress.
Day 7 - call with confirmation of request completion followed by email.

Just try, twitter handling team is better in understanding and execution.

@RewardsAlert
@bvc19296
@Tosh
@HyperBeast

How did you convince them??
What reason did you mentioned??

 

[It_is_Naruto]

I simply told the team that hdfc is my primary card and going forward I am going to transfer my spends on icici too. In next few months I am expecting high amount spends so a good limit will keep the credit utilization in check.
I asked them to match the hdfc limit and they proceeded with it.
7.1 to 12.6 ...

How did you convince them??
What reason did you mentioned??

 

[It_is_Naruto]

Would you give us an idea, about what was your HDFC card limit.

Also ICICI card limit before and after increase.
It'll help to understand how much ICICI is able to match basis of C2C.

It increases from 7.1 to 12.6( matched with hdfc one).

 

[It_is_Naruto]

Twitter handle of icicicares helped in issuing dual variant of Rubyx for me in Jun23. I had Visa and regular customer care told me to apply again and Amex variant will not be LTF.
I sent request to twitter handle...got the call...explained my request...they took the request and got it done...in 10 days.

 

[BVCBVC is verified member.]

For ICICI, if you are not getting good support from usual customer care team, try twitter handle " icicicares". My experience has been great . In May23, I was able to increase limit of my 1 month old Rubyx card basis HDFC statement. Here is the timeline I experienced :

Day 1 - Dm to icicicares
Day 2 - call from care team, explain the requirement.
Day 3 - email confirming that the request is in progress.
Day 7 - call with confirmation of request completion followed by email.

Just try, twitter handling team is better in understanding and execution.

@RewardsAlert
@bvc19296
@Tosh
@HyperBeast

@It_is_Naruto I had same experience bro. When I was trying to ICICI Rupay card in March had bitter experience with customer care people, then approached twitter route as suggested by one user on the forum. Twitter handle did a great job in solving the problem.

ICICI Coral Rupay Credit Card

Hi, Has anyone from the community got the ICICI Coral Rupay credit card?? I do have ICICI Expressions card is there any chances of changing this card to Coral Rupay variant.

www.technofino.in

 

[D7162]

Twitter handle of icicicares helped in issuing dual variant of Rubyx for me in Jun23. I had Visa and regular customer care told me to apply again and Amex variant will not be LTF.
I sent request to twitter handle...got the call...explained my request...they took the request and got it done...in 10 days.

Ok thats great. I think I will have to ask for rubyx and coral rupay ltf once my LE is approved. I asked to branch, they said Coral rupay cant be given as LTF even though i got Saphirro as LTF by them

 

[Salvo08]

Twitter handle of icicicares helped in issuing dual variant of Rubyx for me in Jun23. I had Visa and regular customer care told me to apply again and Amex variant will not be LTF.
I sent request to twitter handle...got the call...explained my request...they took the request and got it done...in 10 days.

But Rubyx always came as dual variant or am I missing something? I’ve Rubyx (dual variant) for the last 8-9 years. Did you manage to get it as LTF?

 

[It_is_Naruto]

But Rubyx always came as dual variant or am I missing something? I’ve Rubyx (dual variant) for the last 8-9 years. Did you manage to get it as LTF?

It comes in two combinations(as per recent interactions with icici)..
Standalone Visa or
MC + Amex as dual card.
They issued me visa first...and then I got this changed to dual one.
Yes...LTF.

 

[technom]

It comes in two combinations(as per recent interactions with icici)..
Standalone Visa or
MC + Amex as dual card.
They issued me visa first...and then I got this changed to dual one.
Yes...LTF.

I'll try this. Hope it works for Platinum to a higher variant like Sapphiro

 

[Salvo08]

I'll try this. Hope it works for Platinum to a higher variant like Sapphiro

Only Rubyx and Sapphiro come in dual variants

 

[It_is_Naruto]

I'll try this. Hope it works for Platinum to a higher variant like Sapphiro

Well...I am also applying for sapphiro under alumni offer.... let's do this 🙂

 

[Ravi007]

I am having sapphiro visa LTF , any extra benefits to converting dual variants.