ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

[s4more]

The problem with that logic is that this benefit exists for all non-HDFC cards, so, must be discounted! 🙂 Only the actual benefits specific to any particular card should count for comparison! 🙂
.

Think again. How many non-hdfc rupay unconditional ltf cards are out there that are supported on hdfc billpay?

 

[Trust Me]

Think again. How many non-hdfc rupay unconditional ltf cards are out there that are supported on hdfc billpay?

Off the top of my head, a couple from Axis, one from IndusInd that I know of. There may be others as well, since so many banks' CCs are supported on HDFC BillPay.

But that's quite beside the point! Since they all have the ability to be paid off from BillPay in common, only their own respective merits should form the basis of comparison between them. --- Like whether they are LTF or not, and so on...

BillPay should not be in the picture at all.
.

 

[s4more]

Spoke to eRM
I was offered Rubyx Dual or Rupay LTF.
I declined as I wanted Sapphiro.
If you have salary acct and company name is in their list of eligible emoloyers, Sapphiro LTF will be offered at 1.5L pm salary.

 

[SSV]

With me , I have
1) SB Wealth acount - 1.5 years old
2) TRV - 20L
3) Amazon Pay , Coral - VISA, Rupay and AMEX all with 7.7 L CL and about 5.8 years old CC..

Still getting PVC emeralde paid both in iOS and Net banking.. tried to check with andirod, regisrtation failed for too many attempts .. have to wait for 24 hours to get it unblocked..

View attachment 52681
Same as imobile.

i can see the same offer on ios imobile too.

My brain is hurting now. I am trying to figure out on what basis this ltf offer is triggered. My two friends got this both had apay,coral rupay and platinum before this offer both got rubyx dual ltf
One of them were salaried other self employed. Nothing makes sense anymore except for the three card thing.

After everything is over, I will collect all the relevant info from this thread and try to figure out.. At the moment too much of infor to process.
Let everyone contribute their experiences here in this thread first..
My brain stopped working now already... It needs some rest ...
But ask everyone to brains storm here with details like.
1)Salaried / Self employed
2) Current CCs with CLs with ICICI
3) Have Salary account with ICICI / not? or holding normal SB account / NO SB account at all
4) Other banking relationship with ICICI like loans, FD etc
5) last time they availed CC from ICICI
6) Their current CC usage pattern.. ( irrespecitve of they got pre approved offers or not)
7) any other peculiar info they have / want to add with regard to ICICI ..


Just reply to this post with all relevant info...
that would be helpful...

Note: any other question people want to add to this questtionnaire?

With me , I have
1) SB Wealth acount - 1.5 years old
2) TRV - 20L
3) Amazon Pay , Coral - VISA, Rupay and AMEX all with 7.7 L CL and about 5.8 years old CC..

Still getting PVC emeralde paid both in iOS and Net banking.. tried to check with andirod, regisrtation failed for too many attempts .. have to wait for 24 hours to get it unblocked..

Okay guys...

A small progress in how ICICI pre approved offers appear in various ICICI banking modes..

As both my netbanking and iOS were showing only Emeralde PVC paid, I installed iMobile App on Andriod and found there is a difference in offers.

Here are how the offers are shown in various modes.

iMobile ( iPhone)​	Net banking​	iMobile (Andriod)​
Emerealde (Plastic) - 12,000 + 12,000​	Emerealde (Plastic) - 12,000 + 12,000​	Emerealde (Plastic) - 12,000 + 12,000​
-​	-​	Manchester United - NIL - 2,500 (FYF)​
-​	-​	MMT Signature - 2,500 - NIL​

I took, Manchester United because

1) it is FYF
2) Want to stimulate the lazy ICICI pre-approved algorithm by doing soemthing different

I noted that most of the people who got these 3 combinations have their MU as a paid card.
However, ICICI felt too generous towards me by giving it FYF for my 10L FD .. this is how I feel ..

So, in my view , for pre-approved offers iMobile(Andriod) > Net Banking > iMobile ( iOS)

Now I permanently moved my main mobile number to Andriod , dictching my iPhone usage for the last 15 years...

Lets see if it brings any change in my offers list in future.. Now my CC upgrade offers are gone as of now...as I took MU Signature CC.
I will close this next year anyway...

 

[MS R]

My Update: Salary Account with ICICI

Existing ICICI Credit Cards (All LTF) in Order of Approval:

• Platinum (my first ICICI card)
• Amazon
• Coral Rupay (obtained by changing SIM to an Android phone, thanks to the TF community)
• Sapphiro Dual (approved in March 2024 via RM)
• Rubyx Visa LTF (upgraded from Platinum via Twitter/customer care immediately after Sapphiro approval)

After checking for upgrades in the mobile app and net banking, I found an MMT card with JF & 0 AF and a Rubyx Visa paid card, (even though I already had an LTF Rubyx). Hoping for an LTF Emerald card, I swapped my SIM to an Android phone but was offered an LTF Rubyx Dual card instead. Despite feeling like a downgrade, I applied for the LTF Rubyx Dual card, which I can now see virtually in the mobile app.

 

[ahtsham]

I am holding Coral and Amazon Pay CCs. Today I got upgrade offer in iMobile for Rubyx Dual variant (Amex + Mastercard). One of my friend also got the same. Maybe others here can check for any such offer.

 

[Dixit]

I am holding Coral and Amazon Pay CCs. Today I got upgrade offer in iMobile for Rubyx Dual variant (Amex + Mastercard). One of my friend also got the same. Maybe others here can check for any such offer.

Paid or LTF?

 

[ahtsham]

Paid or LTF?

This time LTF. Earlier I was getting Rubyx and Sapphiro as paid upgrades.

 

[SSV]

This time LTF. Earlier I was getting Rubyx and Sapphiro as paid upgrades.

Some details about relationship pls.
and also what is your iScore?

 

[Dixit]

Some details about relationship pls.
and also what is your iScore?

What is iScore?

 

[Krishna Kumar]

What is iScore?

+1
I have not seen anything like that in iMobile app

 

[SSV]

What is iScore?

+1
I have not seen anything like that in iMobile app

Go to discover tab and scroll to the bottom

 

[Cc_creditguy]

Today I don't see any pre approved offer in my Impay

 

[Krishna Kumar]

Go to discover tab and scroll to the bottom

When i opened Discover tab, it was loading and loading.... then re-logged in the app. Now it is showing a moderate 60 :/

 

[SSV]

When i opened Discover tab, it was loading and loading.... then re-logged in the app. Now it is showing a moderate 60 :/

okay, got it... DId you get any pre approved offers?

 

[Krishna Kumar]

okay, got it... DId you get any pre approved offers?

Yes.
Emeralde, MU Signature and MMT Signature - All paid

 

[Fini7777]

I have been shown 3 cards as pre approved also as LTF. Please recommend me to choose one.

1. Sapphiro VISA

2. Sapphiro Dual (Master+AMEX)

3. MakeMyTrip

2nd option is better

 

[Fini7777]

Is this pre-approved section on iMobile showing different than the one shown on Net Banking?

yes, in my case it is showing different cards

 

[SSV]

Yes.
Emeralde, MU Signature and MMT Signature - All paid

Kindly elaborate your whole relationship.
1)Years of relatiohsip
2)SB or CC?
3) how many CCs LTF/ paid/ age/ CL etc...
4)salary account or norml account..
I am tryig to figure out iscore's significance..

I am sure it is playing some role with regard to pre approved offers.. ut want to know to what extent..
I eed at least 10 case studies to get some reasonable understanding od iScore..

Planning to write a article about iScore i a weel of two's time...thanks

 

[Ak Singh]

Kindly elaborate your whole relationship.
1)Years of relatiohsip
2)SB or CC?
3) how many CCs LTF/ paid/ age/ CL etc...
4)salary account or norml account..
I am tryig to figure out iscore's significance..

I am sure it is playing some role with regard to pre approved offers.. ut want to know to what extent..
I eed at least 10 case studies to get some reasonable understanding od iScore..

Planning to write a article about iScore i a weel of two's time...thanks

Currently my iscore is 57, till now no pre-approved offers received.

How iscore can be increase ?