I got an offer for ICICI Sapphiro Credit card with NIL annual and joining fee. Is this legit?

[ZappyRed]

seiwn weinwe weinwie

 

[Tarun239]

Apart from alumni offer for ltf sapphiro, those getting any ltf upgrade offer to sapphiro, what's d criteria for ltf upgrade, is it old banking relationship/ wealth account etc??

 

[Shroud]

Apart from alumni offer for ltf sapphiro, those getting any ltf upgrade offer to sapphiro, what's d criteria for ltf upgrade, is it old banking relationship/ wealth account etc??

It's purely luck.

 

[jeevanreddy58]

for me its relationship. for last 5 years previlage savings account.. also I recently tried upgrade from app with cibil hit. There were existing pre approved offers but they were having either joining fee or annual fee. So I clicked on credit card apply and entered mobile , PAN. Cibil hit done.. but said not applicable for any other cards... After few days, sapphiro came as LTF

 

[drsel]

Just applied for upgraded offer
From Hpcl Coral to LTF Sapphiro dual card.
Earlier it was showing paid.. somehow today it is changed.. quickly applied..
May be I am done with tenure of personal loan from Icici this month.. was paying for PL from 5 years.. never got LE or Free upgrade. Other than this , it was showing mmt and Manchester but either joining or annual fee is there for these variants.. so didn't opt those.
This is my wife account.. she used to work 5 years back. I updated her Icici profile to self employed this month.
Hopefully it is TRUE LTF. 😇
PFA

Congratulations
2.International Airport lounge and 2 spa visits do not have any spend requirements.
But domestic lounge access has got a spend requirement

 

[Rag]

for me its relationship. for last 5 years previlage savings account.. also I recently tried upgrade from app with cibil hit. There were existing pre approved offers but they were having either joining fee or annual fee. So I clicked on credit card apply and entered mobile , PAN. Cibil hit done.. but said not applicable for any other cards... After few days, sapphiro came as LTF

similar case for me. I also got sapphiro ltf after few days of cibit hit. I have account with them from last 14 years.

 

[jeevanreddy58]

similar case for me. I also got sapphiro ltf after few days of cibit hit. I have account with them from last 14 years.

may be once they get cibil report , they will analyze and update the cc as per risk apatite.

 

[Rag]

may be once they get cibil report , they will analyze and update the cc as per risk apatite.

yes seems so

 

[girish3456]

I've seen one or two other person too getting LTF sapphiro recently.

Get it, nothing to worry.

What is the income criteria

 

[Centurion_wala]

Just applied for upgraded offer
From Hpcl Coral to LTF Sapphiro dual card.
Earlier it was showing paid.. somehow today it is changed.. quickly applied..
May be I am done with tenure of personal loan from Icici this month.. was paying for PL from 5 years.. never got LE or Free upgrade. Other than this , it was showing mmt and Manchester but either joining or annual fee is there for these variants.. so didn't opt those.
This is my wife account.. she used to work 5 years back. I updated her Icici profile to self employed this month.
Hopefully it is TRUE LTF. 😇
PFA

In February I received offer from my hpcl super saver card that time totally paid card and I closed my hpcl super saver credit card in March but the offer is showing from Amazon pay credit card so today I tried to click upgrade card I am getting unable to setup your card like screenshot

Which other two cards are guys being offered?

 

[jeevanreddy58]

Which other two cards are guys being offered?

already mentioned that mmt and Manchester were also there.. but with either joining or annual fee

 

[D₹V]

What is the income criteria

Even students got it

 

[devine_mortal]

Luckily, no * for me on annual charges.



Applied it last night.

 

[Rahul Gupta]

Luckily, no * for me on annual charges.

View attachment 57552

Applied it last night.

Which icici cards you had before this offer?

 

[devine_mortal]

Which icici cards you had before this offer?

I had Rubyx LTF. Though, it's still active while Sapphiro also started showing on the app.

 

[Fini7777]

For me, it's showing Joining and Annual Fee
waiting for the LTF offer I've the privilege ac - 4 years old
shall I click on the card and leave it as some of the people above mentioned this and they got it after a few days or wait for LTF Offer

 

[devine_mortal]

Don't think it works like that tbh. I'm not sure what exactly bank sees but in my case, I think it were high value transactions in the last 2 months that did the trick.

 

[Indrajeet100]

But really why would one apply for this card except for getting icici offers. Otherwise there are so many more rewarding cards.

 

[Rahul Gupta]

I had Rubyx LTF. Though, it's still active while Sapphiro also started showing on the app.

When did you get your rubyx ltf sir?

 

[beast_boy]

When did you get your rubyx ltf sir?

Hi bro, can you DM me

 

[devine_mortal]

When did you get your rubyx ltf sir?

2017 I guess.