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How to negotiate for Sapphiro LTF ?

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NinjaHatori

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Hi guys, whats the best way to negotiate for Sapphiro LTF ?
Sorry if this feels like a repost. I have already tried via RM, but no help. he says no FYF or LTF Sapphiro. Wanted Emeralde FYF or LTF (not possible 2cr NRV I think). Sapphiro should be possible given that I have seen people having LTF sapphiro with very less NRV too
@S S V any help you can provide ? Thanks in advance!

Only want this for bms offer. I don't think I deserve the extraordinary reward rate of this card /s


My mom is having below NRV with ICICI

Sapphiro 1.jpg Sapphiro 2.jpg
My mom is
 
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I believe there are many criterias to get it LTF. I got it but I'm pretty sure it was because of a combination of my CIBIL score (770+) and my salary (2L+ per month) + my employer is a private company which is known to all major banks.

If your first two criterias are meeting like mine, your third criteria may be getting in your way. Do you work for a lesser known company by any chance (assuming you are a salaried employee)?
 
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I got the sapphiro LTF by utilising the alumni offer. Please check once if you are eligible for the same. The list of acceptable institutes is quite large.
 
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ICICI's rules are simple. You get LTF if
<1L Salary - Coral
<2L Salary - Rubyx
>2L Salary - Sapphiro
> 20L Salary - Emeralde

I was given a useless ICICI Mine card. I called my RM, Customer Care, sent emails, all fell on deaf ears. I then sent DM to ICICI Twitter handle and they called me up and instantly approved Rubyx Dual Variant (Mastercard + Amex) right on the call.

Apparently, you don't even need Salary account in ICICI, you just need enough salary!
 
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I got the Sapphiro Dual cards as LTF, just after creating a 2L FD. My basic savings bank acc was relatively old and never had more than 50k balance before this point. After the FD was created app started showing me preapproved LTF Sapphiro Dual with 11.8L limit instead of the usual and useless 1L Coral LTF.
 
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panthr said:
ICICI's rules are simple. You get LTF if
<1L Salary - Coral
<2L Salary - Rubyx
>2L Salary - Sapphiro
> 20L Salary - Emeralde

I was given a useless ICICI Mine card. I called my RM, Customer Care, sent emails, all fell on deaf ears. I then sent DM to ICICI Twitter handle and they called me up and instantly approved Rubyx Dual Variant (Mastercard + Amex) right on the call.

Apparently, you don't even need Salary account in ICICI, you just need enough salary!
Click to expand...
Is it yearly or monthly? If it is monthly who gets salary more than 20 lakhs?
 
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NinjaHatori said:
Hi guys, whats the best way to negotiate for Sapphiro LTF ?
Sorry if this feels like a repost. I have already tried via RM, but no help. he says no FYF or LTF Sapphiro. Wanted Emeralde FYF or LTF (not possible 2cr NRV I think). Sapphiro should be possible given that I have seen people having LTF sapphiro with very less NRV too
@S S V any help you can provide ? Thanks in advance!


Having below NRV with ICICI

View attachment 43426View attachment 43427
Click to expand...
To be honest, there is nothing fancy about this sapphiro or Ruby etc..
So don’t try and spend any lengthy time about this sh*t card..
Try to get emeralde only..
Sapphiro LTF, as guys already said, thru agent offline or Alumni..
These ICICI RMs are good for nothing just like their cards..
Not sure why they feel so proud of their sh*tty cards…
 
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S S V said:
To be honest, there is nothing fancy about this sapphiro or Ruby etc..
So don’t try and spend any lengthy time about this sh*t card..
Try to get emeralde only..
Sapphiro LTF, as guys already said, thru agent offline or Alumni..
These ICICI RMs are good for nothing just like their cards..
Not sure why they feel so proud of their sh*tty cards…
Click to expand...
Mainly wanted for bms offer. We don't have any other cards having good BMS offer. Idfc is out of question due to it being bogo on paytm (venues are far for me)
 
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panthr said:
ICICI's rules are simple. You get LTF if
<1L Salary - Coral
<2L Salary - Rubyx
>2L Salary - Sapphiro
> 20L Salary - Emeralde

I was given a useless ICICI Mine card. I called my RM, Customer Care, sent emails, all fell on deaf ears. I then sent DM to ICICI Twitter handle and they called me up and instantly approved Rubyx Dual Variant (Mastercard + Amex) right on the call.

Apparently, you don't even need Salary account in ICICI, you just need enough salary!
Click to expand...
Okay. Might be able to get emeralde. Only issue is my dad is NRI and might be asked to do a FD or something, let's see.
 
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