Only Premium & Super Premium Cards Discussion

[WandereR]

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

Based on my understanding you'd get 2 separate cards, amex and mc variants. So every card specific offer can be used twice. And then Amex specific lounges can be accessed.

 

[technom]

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

I could not find icicicares twitter handle. I believe you meant ICICI Bank Cares. please let me know if otherwise

 

[It_is_Naruto]

I could not find icicicares twitter handle. I believe you meant ICICI Bank Cares. please let me know if otherwise

Yup...sorry....will uodate the post too...it's ICICI bank cares..snapshot for clarity

 

[technom]

Yup...sorry....will uodate the post too...it's ICICI bank cares..snapshot for clarity

View attachment 19817

Found it and sent them a message, lets see if they respond

Only Rubyx and Sapphiro come in dual variants

I'll ask for Sapphiro dual variant, if a choice is given

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

Good Luck !

 

[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 😛

Dear Customer,

You are holding the maximum limit as per the policy, hence, we are unable to increase the credit limit for your ICICI Bank Credit Card XX. You may re-apply after 6 months, subject to approval.

Sincerely,
Team ICICI Bank

🙁🙁🙁🙁🙁🙁

 

[Salvo08]

Dear Customer,

You are holding the maximum limit as per the policy, hence, we are unable to increase the credit limit for your ICICI Bank Credit Card XX. You may re-apply after 6 months, subject to approval.

Sincerely,
Team ICICI Bank

🙁🙁🙁🙁🙁🙁

ICICI gave same reply to me about two years back and then with in one year offered me almost three times the limit then. Umeed pe duniya kayam hai 🙂.

 

[Salvo08]

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

Yes you get Amex Card along with Mastercard variant and with Amex Card you get priority access to Amex Lounges based on the card variant.

 

[Salvo08]

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 😛

You should have taken LE on Apay and based on that limit ICICI would have enhanced your original CC limit. It happened with me, first they offered LE on Rubyx and couple of months later enhanced limit of Apay as well exactly that of Rubyx.

 

[D7162]

You should have taken LE on Apay and based on that limit ICICI would have enhanced your original CC limit. It happened with me, first they offered LE on Rubyx and couple of months later enhanced limit of Apay as well exactly that of Rubyx.

I think you misunderstood
I accepted, they taken service request and denied enhancement

 

[technom]

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

How do you guys manage to get Sapphiro LTF!

I've been trying to negotiate with ICICI social team on this matter and they won't offer LTF at all. I already have paid version of Emeralde as pre-approved in app but they still say I'm *not* eligible for Sapphiro LTF.

My spends are in excess of 4L already this year with a CL of over 10L with Platinum + Apay card combination. My net salary credits are over 1.5L pm with an ITR of around 23L last year.

Any bright ideas?

 

[starstruck]

How do you guys manage to get Sapphiro LTF!

I've been trying to negotiate with ICICI social team on this matter and they won't offer LTF at all. I already have paid version of Emeralde as pre-approved in app but they still say I'm *not* eligible for Sapphiro LTF.

My spends are in excess of 4L already this year with a CL of over 10L with Platinum + Apay card combination. My net salary credits are over 1.5L pm with an ITR of around 23L last year.

Any bright ideas?

I got it via the Alumni offer. Other criteria is to have 2 lakh plus net salary.

 

[technom]

I got it via the Alumni offer. Other criteria is to have 2 lakh plus net salary.

Will they consider ITR of over 24L (including bonus and other income like awards) or are they strict on net credits of over 2L pm

 

[starstruck]

Will they consider ITR of over 24L (including bonus and other income like awards) or are they strict on net credits of over 2L pm

You should talk with credit card agents at any branch or with the RM assigned to you if you have a bank account with them for this.

 

[D7162]

How do you guys manage to get Sapphiro LTF!

For me- on one day I received call from one of the Branch saying my account is eligible for this LTF cc, i didnt believed and asked to send by mail and they sent so applied.

BTW I am holding ICICI savings account which was used to be Titanium salary account (no more salary credited since 7 years), then upgraded to wealth (dont know when - but may be once my CC limit was above 5 Lakh - heard in forum)

Moreover, when i received application form, I found they written employer name of my old employer - even though Self employed was mentioned - but i feel like somehow my account is still tagged to my old employer who is one of the largest MNC and I feel that i got LTF due to that only

 

[technom]

You should talk with credit card agents at any branch or with the RM assigned to you if you have a bank account with them for this.

No Bank account. Just CC relationship. So can't find RM and don't want to go to the branch unless it's the last option. Also because they don't care much unless you have a good CASA banking relationship

 

[D7162]

Dear Customer,

You are holding the maximum limit as per the policy, hence, we are unable to increase the credit limit for your ICICI Bank Credit Card XX. You may re-apply after 6 months, subject to approval.

Sincerely,
Team ICICI Bank

🙁🙁🙁🙁🙁🙁

Update - Same Mail was sent as DM to twitter, they checked with their team and Called me and confirmed that they are increasing my limit. They also mentioned limit (its around 20%). So twitter works

Also tried to couple of more banks but they didnt replied