ICICI Bank Account for Credit Card

[crazyuploader]

Hi,

I've been wanting to get a Credit Card from ICICI Bank, I've tried 2-3 times to no avail, I don't have salary slip right now, and so I'm thinking of opening an account in ICICI Bank to get Credit Card offers, just like I opened an account in HDFC Bank (started getting credit card offers, yet to apply) at the start of this year. I have around 1L lying around in my bank account which I'll pay Credit Card bill later.

So, my question was, should I open zero balance account in ICICI or regular saving account with 10K MAB? Asking from pre-approved offers perspective. As far as I'm concerned, I'm more inclined towards zero balance account, but if it hinders me from getting Credit Card offers, I'd happily take 10K MAB regular savings account.

Regards.

 

[crazyuploader]

Did you get any communication from ICICI about your application ?

Had a verification call from them today after few hours post video KYC completion. They asked my communication address pincode, and asked me to check my application status using Amazon app, also verified the application number, and whether I filled employee referral code etc. Application is still like this.

 

[Chaitanya-a]

i was applying for my wife amzon acc . she is housewife. what should i put it in the income columns

For non income people, fill agricultural income & self employed.

 

[SSV]

Had a verification call from them today after few hours post video KYC completion. They asked my communication address pincode, and asked me to check my application status using Amazon app, also verified the application number, and whether I filled employee referral code etc. Application is still like this.

View attachment 27155

You will be alright mate... You will get it...

 

[deep@vie]

Was thinking the same, still I've applied for Amazon Pay ICICI Credit Card, if it's approved, won't need to open the account

Congratulations 🎊

 

[Akashn]

Congratulations 🎊

Arey wait wait. Hopefully soon 🤞

 

[CHOCOPANDA]

Both 10k MAB & 95k IP are same accounts. Only thing is you have to deposit 95k while opening account & then it gets converted to zero balance account instantly.

can you tell the name of account with 95k mab.
What is IP.
After how many days can I convert to 0bal ac

 

[deep@vie]

It'll be

Arey wait wait. Hopefully soon 🤞

 

[varun__goel_]

can you tell the name of account with 95k mab.
What is IP.
After how many days can I convert to 0bal ac

It's not 95k mab. 95k is initial funding to get a zero balance account. Just start opening savings account online l, at end you will get two options, 10k mab account and 0 mab account with 95k initial funding

 

[CHOCOPANDA]

It's not 95k mab. 95k is initial funding to get a zero balance account. Just start opening savings account online l, at end you will get two options, 10k mab account and 0 mab account with 95k initial funding

After how many days can I withdraw money

 

[Chaitanya-a]

After how many days can I withdraw money

Just after you can login to your Account.

 

[crazyuploader]

You will be alright mate... You will get it...

Hope I do, the application is taking time unless last few attempts where I was rejected right away. So that is giving me hopes here

 

[crazyuploader]

Hope I do, the application is taking time unless last few attempts where I was rejected right away. So that is giving me hopes here

A little eager for the outcome, because otherwise I'd open an account with them and that 1L in my other bank account can't stay for too long either. So I can open the zero balance account with them while I still can, don't want any other MAB account other than HDFC Savings Max for now. For regular 10K MAB variant, will have to close IDFC WoW Credit Card (not a problem as I'm looking to close it anyways)

 

[SSV]

Hope I do, the application is taking time unless last few attempts where I was rejected right away. So that is giving me hopes here

Actually, either rejection or approval happens instantly if it is decisive either way..
If it is taking time and they are following up means, something is cooking, which ,more probably ,will be tastier for you..
Here the odds are 95 - 5 in your favour .

 

[crazyuploader]

Congratulations 🎊

Didn't even get it yet, but thanks!

 

[SSV]

Didn't even get it yet, but thanks!

He is conveying his advanced congrats..

 

[crazyuploader]

Actually, either rejection or approval happens instantly if it decisive either way..
If it is taking time and they are following up means, something is cooking, which more proabably will be tastier for you..
Here the odds are 95 - 5 in your favour here.

Just hoping I won't need to show any income proof because I did go a little wild while filling the form 😁

 

[SSV]

Just hoping I won't need to show any income proof because I did go a little wild while filling the form 😁

NO Income proof needed. how much is your CIBIL anyway? and how many cards you have?

 

[crazyuploader]

Just after you can login to your Account.

Using what though? IMPS? I thought it might take 2-3 days, so hesitated with the zero balance one, thinking I might require the money in between

 

[Chaitanya-a]

Using what though? IMPS? I thought it might take 2-3 days, so hesitated with the zero balance one, thinking I might require the money in between

Not IMPS but NEFT as former one is chargeable in this account. After opening Account, just go to NetBanking portal and select "Get User ID". You'll get the User ID & then create the password for the same.

Then login to iMobile app using NetBanking and you'll be able to see your virtual Debit card after 12-20 hours. Through this, create UPI PIN and send money. Otherwise choose NEFT if you want.

 

[deep@vie]

If account handled by efficient banker,Can be done in single day & you can withdraw money within 48 to 72 hrs

Using what though? IMPS? I thought it might take 2-3 days, so hesitated with the zero balance one, thinking I might require the money in between