ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

[Obhi]

If anyone is getting paid upgrades only and want a life time free upgrade. apply a fresh card ignoring the upgrade offer at that time. based on your profile you will be shown at least one paid card LTF during application. This is as informed by ICICI customer care and i got all variants of Coral cards LTF during application while getting all paid upgrades preapproved.

Please note there will be CIBIL hit.

 

[NShah]

If anyone is getting paid upgrades only and want a life time free upgrade. apply a fresh card ignoring the upgrade offer at that time. based on your profile you will be shown at least one paid card LTF during application. This is as informed by ICICI customer care and i got all variants of Coral cards LTF during application while getting all paid upgrades preapproved.

Please note there will be CIBIL hit.

Any call or physical verification ?

 

[Obhi]

Any call or physical verification ?

No nothing. I had Amazon pay CC only with 5 lakhs limit earlier. After entering details the limit shown is 5.1L and application got approved on next day only. after entering details you will have two options upgrade or new application as you have preapproved upgrade. Select new application.

 

[SSV]

Got the Sapphiro Dual variant LTF based on 50L TRV within 2 days of fund transfer......
next step would be to get Emeralde PVC LTF preapproved / EPM paid...

My CL increased from 7.7 L to 15L via this method ...
More details here:

LTF Sapphiro Card

Hello Friends, 2 weeks back I received a call from corporate RM and she offered me LTF Sapphiro CC. She just asked me to send my home address and the card would be delivered. I pinged her the details nd in 2 days she called me to say that I would be getting 13 laks limit on the sapphiro. I...

www.technofino.in

Received both the Sapphiro Credit cards and DF card as well today...

 

[Lorddiesel]

And what are the benefit of Rubyx in American Express variant?

You can show off that you have AMEX and make ur friends jealous.

 

[HumorSimpson]

You can show off that you have AMEX and make ur friends jealous.

True friends will pity amexers.

 

[ccent]

Received both the Sapphiro Credit cards and DF card as well today...

@SSV - Even i got LTF Sapphiro upgrade offer just 2 months ago. however, i was surprised to see an upgrade offer to Emeralde card in Imobile app yesterday. but it is a paid card and hence i am not upgrading. can you please help me with following:

1. i read in this forum in many posts that once a card is upgraded, the next upgrade will come only after a minimum 6 months. but i am getting an upgrade offer from Sapphiro to Emeralde within 2 months. is this some technical glitch or is it actually possible? if i proceed with the upgrade will my application be rejected? (although i am not taking paid Emerald)

2. my current credit limit on Sapphiro card is only 4 Lakh. i read somewhere that floor limit for Emerald card is 6 Lakh. but still with 4 lakh limit i am being offered a upgrade to Emerald card. any idea what actually is the floor limit for Emeralde card?

3. I already have 3 card accounts in Cibil for ICICI bank - one is for Apay second is for all Gemstone card and third is for MMT card. is it true that one cannot have more than 3 card accounts for ICICI? if this is true, then should i consider closing my MMT card so that in future when i get LTF offer for Emeralde, i can apply for it? as Emerald card will be updated as separate account in Cibil.

Thanks in advance.

 

[SSV]

1. i read in this forum in many posts that once a card is upgraded, the next upgrade will come only after a minimum 6 months. but i am getting an upgrade offer from Sapphiro to Emeralde within 2 months. is this some technical glitch or is it actually possible? if i proceed with the upgrade will my application be rejected? (although i am not taking paid Emerald)

Pre-approved offers will get refreshed in 2 to 3 months

2. my current credit limit on Sapphiro card is only 4 Lakh. i read somewhere that floor limit for Emerald card is 6 Lakh. but still with 4 lakh limit i am being offered a upgrade to Emerald card. any idea what actually is the floor limit for Emeralde card?

They are generously giving Emeralde paid card to a lot of people. no-one knows the exact floor limit.. now we know that for 4L also they offere emeralde.

3. I already have 3 card accounts in Cibil for ICICI bank - one is for Apay second is for all Gemstone card and third is for MMT card. is it true that one cannot have more than 3 card accounts for ICICI? if this is true, then should i consider closing my MMT card so that in future when i get LTF offer for Emeralde, i can apply for it? as Emerald card will be updated as separate account in Cibil.

I dont know about the 3 card limit in ICICI. anyway close MMT card if it is of little use for you.

 

[Shroud]

2. my current credit limit on Sapphiro card is only 4 Lakh. i read somewhere that floor limit for Emerald card is 6 Lakh. but still with 4 lakh limit i am being offered a upgrade to Emerald card. any idea what actually is the floor limit for Emeralde card?

Okay, according to my RM, these are the floor limits for NEW card issuance:
Emeralde plastic - 6L
Sapphiro - 3L
Rubyx - 2L
Coral - 1L

However, these do not apply on card upgrade as it is mostly automated and system generated.

 

[Wealth is my birth right!]

@SSV - Even i got LTF Sapphiro upgrade offer just 2 months ago. however, i was surprised to see an upgrade offer to Emeralde card in Imobile app yesterday. but it is a paid card and hence i am not upgrading. can you please help me with following:

1. i read in this forum in many posts that once a card is upgraded, the next upgrade will come only after a minimum 6 months. but i am getting an upgrade offer from Sapphiro to Emeralde within 2 months. is this some technical glitch or is it actually possible? if i proceed with the upgrade will my application be rejected? (although i am not taking paid Emerald)

2. my current credit limit on Sapphiro card is only 4 Lakh. i read somewhere that floor limit for Emerald card is 6 Lakh. but still with 4 lakh limit i am being offered a upgrade to Emerald card. any idea what actually is the floor limit for Emeralde card?

3. I already have 3 card accounts in Cibil for ICICI bank - one is for Apay second is for all Gemstone card and third is for MMT card. is it true that one cannot have more than 3 card accounts for ICICI? if this is true, then should i consider closing my MMT card so that in future when i get LTF offer for Emeralde, i can apply for it? as Emerald card will be updated as separate account in Cibil.

Thanks in advance.

ICICI reports CIBIL in 3 splits
1 all gemstone cards coral rubyx saphiro together
2 co branded like apay mmt Manchester
3 emerald exclusive
Someone pls correct me those who hold all these cards together

 

[ccent]

ICICI reports CIBIL in 3 splits
1 all gemstone cards coral rubyx saphiro together
2 co branded like apay mmt Manchester
3 emerald exclusive
Someone pls correct me those who hold all these cards together

just a correction here. i have 2 co branded card i.e. Apay and MMT. both are reported separately. so basically total 3 accounts are being reported to Cibil. one is for Apay second is for all Gemstone card and third is for MMT card.

 

[ccent]

Pre-approved offers will get refreshed in 2 to 3 months


They are generously giving Emeralde paid card to a lot of people. no-one knows the exact floor limit.. now we know that for 4L also they offere emeralde.


I dont know about the 3 card limit in ICICI. anyway close MMT card if it is of little use for you.

thanks a lot @SSV . anyone else who have more than 3 accounts being reported to Cibil by ICICI? want to confirm whether it is true that one cannot have more than 3 card accounts for ICICI?

 

[Wealth is my birth right!]

just a correction here. i have 2 co branded card i.e. Apay and MMT. both are reported separately. so basically total 3 accounts are being reported to Cibil. one is for Apay second is for all Gemstone card and third is for MMT card.

Thanks for the info
So if u get emerald in future you will have 4 reports from ICICI to CIBIL

 

[panu24]

just a correction here. i have 2 co branded card i.e. Apay and MMT. both are reported separately. so basically total 3 accounts are being reported to Cibil. one is for Apay second is for all Gemstone card and third is for MMT card.

Check this
Post in thread 'Amazon pay ICICI card limit' https://www.technofino.in/community/threads/amazon-pay-icici-card-limit.27087/post-659456

 

[ccent]

Thanks for the info
So if u get emerald in future you will have 4 reports from ICICI to CIBIL

I am already getting Emeralde but its a paid one. will wait for LTF upgrade

 

[jack333]

ICICI reports CIBIL in 3 splits
1 all gemstone cards coral rubyx saphiro together
2 co branded like apay mmt Manchester
3 emerald exclusive
Someone pls correct me those who hold all these cards together

After a certain number of cards which are grouped under one gemstone cibil account, if you acquire any further each will be reported separately. I think that limit is of 8 cards. Apay and mmt are reported separately

 

[realjayt]

This post seems to have some hodoo cause brother ooo

 

[HumorSimpson]

This post seems to have some hodoo cause brother ooo View attachment 58486

Attachment. 📎. 📎

 

[realjayt]

This post seems to have some hodoo cause brother ooo

I was in talks with the BM of a newly opened ICICI Branch and was baiting him with a Wealth Management account for LTF, just yesterday. I know the guy from his HDFC days but still he said only FD card will be issued. And now this!

 

[leonneel]

Somehow I'm unable to find that pre approved cc section. Where to find that option?