How To Get Normal ICICI Bank Credit Card From Amazon Pay Card Without Any CIBIL Enquiry & Application

[TechnoFinoTechnoFino is verified member.]

Do you hold an ICICI Bank Amazon Pay Credit Card? And want to have a regular ICICI Bank Credit card?

Actually, the Amazon Pay card doesn't work on all ICICI Bank sales & offer campaigns. We get less discount on Amazon than on regular ICICI Bank credit cards on ICICI sales campaigns.
So having a regular ICICI Bank credit card is essential.
But what to do if you don't want to apply for another ICICI credit card or don't want another hard enquiry on your CIBIL or ICICI Bank is not approving your credit card application.
Solutions-
Open iMobile App & Select Amazon Pay Credit Card From Credit Card Menu
Click On Manage Card -> Under "More Options" Click On "Get Expressions Card"



Accept T&C Upload Your Pic Or Select Card Design From Galaxy And Submit Your Request.



You can apply for ICICI Expressions Credit Card and it will be issued within 21 days.
Now, you can continue using Expressions card, or you may call ICICI Bank customer care and request them to upgrade from Expressions credit card to any regular ICICI Bank Credit card (ICICI Platinum/ICICI Coral/ICICI Rubyx/ICICI Sapphiro or even ICICI Emeralde if you meet the minimum limit requirement).

ICICI Bank's customer care agent may not accept your request to convert Expressions card to Platinum card, but it's possible, you have to call again and again to try your luck.
If you cancel your Expressions card within 15 days from card issuance, you'll not be charged any joining fees.
Note - If you already have regular ICICI Bank credit cards, this process will not work for you.

 

[n00b]

I used this trick to get an Expressions card approved, and after it appeared in the iMobile app, I messaged ICICI on Twitter on March 28th, and they called back today and accepted my request for Platinum LTF.

I requested a Coral Rupay LTF because I needed a Rupay card to use with UPI, but I knew they wouldn't approve it because my APay is only two months old and has a meagre 50,000 limit. However, because the Platinum Card is a basic card, I think my request for Coral raised the probability of them approving it.

Moreover, they accepted Platinum Card request via the APay card rather than the Expressions card.



Now I have a few questions -

1. Will I be charged for the Expressions card even if I do not use it?

2. Will the expression card be cancelled if I do not activate it?

3. Is there any advantage to retaining the expressions card?

4. Can I request another card through APay or the Platinum Card in the future? eg. Coral

5. Should I try to get a Coral Rupay LTF when I cancel my Expressions Card?

Thank you

 

[Batmanbaba]

I used this trick to get an Expressions card approved, and after it appeared in the iMobile app, I messaged ICICI on Twitter on March 28th, and they called back today and accepted my request for Platinum LTF.

I requested a Coral Rupay LTF because I needed a Rupay card to use with UPI, but I knew they wouldn't approve it because my APay is only two months old and has a meagre 50,000 limit. However, because the Platinum Card is a basic card, I think my request for Coral raised the probability of them approving it.

Moreover, they accepted Platinum Card request via the APay card rather than the Expressions card.

View attachment 12951 View attachment 12952

Now I have a few questions -

1. Will I be charged for the Expressions card even if I do not use it?

2. Will the expression card be cancelled if I do not activate it?

3. Is there any advantage to retaining the expressions card?

4. Can I request another card through APay or the Platinum Card in the future? eg. Coral

5. Should I try to get a Coral Rupay LTF when I cancel my Expressions Card?

Thank you

For ur info...

Platinum ltf is in actual a coral card without lounge benefits

Also... Expressions card is a coral card with fancy graphics....

Icici portfolio is helpless.... A single ltf card and apay card is enough to have in icici portfolio..... Get ur expressions card cancelled...... U wont be charged..... And for ur info... Expressions card has the best rewards among all icici cards...... Including Emeralde..... I. E 0.75%....... But apay easily gives 1% on other transactions.... So cancel the expressions card.... Its just a means to an end....

 

[nitrogenSinghnitrogenSingh is verified member.]

I am getting this pre-approved offer in my netbanking. I currently hold only Apay card with 4.6L, don;t have any other relationship with the bank.


After i click on the credit card apply now button. this page opens up. By doing this process, will I be getting the platinum card?
Will there be a cibil hit as well?

 

[n00b]

For ur info...

Platinum ltf is in actual a coral card without lounge benefits

Also... Expressions card is a coral card with fancy graphics....

Icici portfolio is helpless.... A single ltf card and apay card is enough to have in icici portfolio..... Get ur expressions card cancelled...... U wont be charged..... And for ur info... Expressions card has the best rewards among all icici cards...... Including Emeralde..... I. E 0.75%....... But apay easily gives 1% on other transactions.... So cancel the expressions card.... Its just a means to an end....

Thank you for clarifying. I'll close the Expressions card.

 

[n00b]

I am getting this pre-approved offer in my netbanking. I currently hold only Apay card with 4.6L, don;t have any other relationship with the bank.
View attachment 12968

After i click on the credit card apply now button. this page opens up.View attachment 12969By doing this process, will I be getting the platinum card?
Will there be a cibil hit as well?

According to what I've read on this forum, this is not a pre-approved offer. It's just a standard application. I think you should be able to obtain the Platinum card easily, but if that fails, use the trick mentioned in this thread.

 

[nitrogenSinghnitrogenSingh is verified member.]

According to what I've read on this forum, this is not a pre-approved offer. It's just a standard application. I think you should be able to obtain the Platinum card easily, but if that fails, use the trick mentioned in this thread.

Standard application meaning, a cibil hit will be there?

 

[n00b]

Standard application meaning, a cibil hit will be there?

Yes, most probably there will be a CIBIL hit.

 

[Batmanbaba]

Standard application meaning, a cibil hit will be there?

Cibil hit for a personal loan will be there...then u have to run for a month to get it removed...

 

[vaibhav111vaibhav111 is verified member.]

I am getting this pre-approved offer in my netbanking. I currently hold only Apay card with 4.6L, don;t have any other relationship with the bank.
View attachment 12968

After i click on the credit card apply now button. this page opens up.View attachment 12969By doing this process, will I be getting the platinum card?
Will there be a cibil hit as well?

i also have apay and no relationship with icici , what other benefit of applying for the platinum card?

 

[nitrogenSinghnitrogenSingh is verified member.]

i also have apay and no relationship with icici , what other benefit of applying for the platinum card?

As sumanta mentioned that for offers mostly.

 

[n00b]

i also have apay and no relationship with icici , what other benefit of applying for the platinum card?

I need it for the ICICI promotions that don't work with the APay Card. In addition, I'm hoping Platinum Card will make it easier for me to get a basic card from other banks on a C2C basis.

 

[U_Utkrsh]

So for all those who still wants to know whether this trick works or not? So YES It does. I followed the above mentioned directions and applied for an expressions card using the imobile app. I got mail for its approval in the next 2-3 days and after receiving the physical card, I called the customer care for an upgrade to LTF Platinum or any other card which they denied. After this I messaged the ICICI team on twitter and asked them the same. A call back was arranged from the credit card department where I was offered any card of my choice. While processing the application he told me that it will processed as a normal application and the approval is subjective to banks internal policy. Still I went ahead with this and within 1 day (on 31st march) I got a mail for the card approval. Btw I applied for Icici Ltf platinum credit card with shared limit. There was NO CIBIL hit as well.

 

[0xfallup]

expression was converted to platinum, and the fees were also reversed after two months which i paid.....

 

[Maheshjai]

Thanks! This trick worked. They said we've raised a request and you'll get to know whether its approved or not in 7 days.

Bro your card is approved or not ????

 

[Chaitanya-a]

Bro your card is approved or not ????

Yup. If you're already a customer they'll approve it. I have received my LTF Platinum card.

 

[Deleted member 5552]

Thanks! This trick worked. They said we've raised a request and you'll get to know whether its approved or not in 7 days.

So let me try my luck now?

 

[Chaitanya-a]

So let me try my luck now?

100% you should try. Twitter team is very much helpful. However, they'll hit your CIBIL after taking the request.

 

[Deleted member 5552]

100% you should try. Twitter team is very much helpful. However, they'll hit your CIBIL after taking the request.

Two times executives rejected during call and told me to request after 3 months. One executive tried to upgrade and after checking, he told no option is available for my card.

Yesterday requested through Twitter and today received call. She took upgrade request and SR number also received. Let me see if they approve or not

 

[Deleted member 5552]

Yup. If you're already a customer they'll approve it. I have received my LTF Platinum card.

Then which card you will use for discounts? Platinum or MMT Signature??

 

[Chaitanya-a]

Two times executives rejected during call and told me to request after 3 months. One executive tried to upgrade and after checking, he told no option is available for my card.

Yesterday requested through Twitter and today received call. She took upgrade request and SR number also received. Let me see if they approve or not

Most probably it'll get approved