ICICI has recently downgraded the Salary Criteria for Sapphiro LTF & Rubyx LTF

[Anindya98]

New Update: Yesterday I got to know from my RM

Rubyx - 75000 per month Salary
Sapphiro - 1.5L per month Salary

 

[Swastik]

Agreed on everything but dont agree with regalia gold being in big 3... It's not a good card compared to millennia even if u are into cashbacks and very poor when compared to dcb and infinia

I'm holding Regalia Gold LTF. So far, it's only of use when availing airport lounges in tier 2/3 cities - almost every airport in India is covered. For everything else (rewards/travel/dining) even entry level CCs can put Regalia Gold to shame

D

Infinia Thread 'LTF Regalia GOLD is better than Paid Infinia | Reward Points Calculations/Maths | INFINIA is OVERHYPED'

Mar 25, 2024

Ref to my recent post, Thanks everyone for your suggestions on Infinia Metal. I considered all points and did some calculations...There are 2 scenarios

1. If Spend is around 7.5 Lac (In normal scenario, Infinia is offered with this much spend..I am not considering special cases of LTF Infinia):

(a) Regalia Gold:
RP's: 20,000
Bonus RP's: 10,000 (5 Lac milestone)
Bonus RP's: 5,000 (8 Lac milestone)
Total RP's: 35,000
A = Value of RP's @ 30 paise = Rs 10,500 (Considering average redemption and not special cases like Gold catalogue/smartbuy flight @ 1:0.5)
B = Quarterly vouchers of Rs...

• Deleted member 26954
• hdfc infinia infinia
• Replies: 222
• Forum: HDFC Bank Credit Card

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It's a dead post now but at the time it made quite an uproar

 

[thiruvetti]

As someone holding both ICICI and HDFC cards for a long time, let me draw some comparisons

1. A lot of ICICIs Credit Card busniess operates online, they don't have dedicated people for this, unlike HDFC where every major branch has a card guy

2. Employees that are present at ICICI branches are quite clueless about cards and almost always tell me to refer to imobile app

3. HDFC still has a pen and paper system, like New Application, Upgrade and Limit Enhancement
On the other hand in ICICI it's automated on App and at max you can email them

4. Employees at HDFC branches hold a lot of power and can help you out in getting new cards and Upgrades to Big 3 (Reg Gold, DCB, Infinia), limit enhancement based on your relationship and amount of business you give them
Employees at ICICI either don't know or don't care much as if credit cards isn't really that important to them(I've heard of a few people getting Emeralde Private Metal through brach head by some on TFC, but its quite rare)

5. ICICI gives a lot of importance to Corporate Tie ups and their salary accounts, Corporate RMs can get you a lot
HDFC on the other gives more importance to Alumni of top institute and that's the easiet way to get their Big 3 cards LTF(apart for Ulip route of course)

I have to disagree on one point even though I have reservations on few others. I dont have any kind of special privilege with HDFC and yet got LTF cards back to back. Whereas ICICI I am a long time privieleged customer with a special Wealth account and stil receive ZERO privileges.
So HDFC just knows how to do business with usual customers whereas ICICI is clueless even for privileged category. No wonder I have plenty of my friends left ICICI miffed up.

 

[Swastik]

I have to disagree on one point even though I have reservations on few others. I dont have any kind of special privilege with HDFC and yet got LTF cards back to back. Whereas ICICI I am a long time privieleged customer with a special Wealth account and stil receive ZERO privileges.
So HDFC just knows how to do business with privieleged customers whereas ICICI is clueless. No wonder I have plenty of my friends moving to HDFC.

Ok, maybe you're an exception but there are plenty to people here trying and dying to get HDFC cards and LTF, infact most of the time one of the top trending posts about this only(like how do get Millennia/Reg Gold/DCB/Infinia/Swiggy/Marriot +/- LTF)

But see, about ICICI being clueless, that's what i meant when i said ICICI don't give much importance to their card business overall, while for HDFC it's quite valuable, it's why HDFC is the market leader of cards in india

 

[aam.aadmi]

Another point to note is that of late, offers on HDFC cards were almost non-existent (valid on a few curated products or EMIs) during the recent AZ/FK sales, whereas ICICI seems to have had better tie-ups and offers applicable almost universally

 

[thiruvetti]

Ok, maybe you're an exception but there are plenty to people here trying and dying to get HDFC cards and LTF, infact most of the time one of the top trending posts about this only(like how do get Millennia/Reg Gold/DCB/Infinia/Swiggy/Marriot +/- LTF)

But see, about ICICI being clueless, that's what i meant when i said ICICI don't give much importance to their card business overall, while for HDFC it's quite valuable, it's why HDFC is the market leader of cards in india

I think you are repeating what I said. I too was saying HDFC is in demand and my friends moved towards HDFC. Many times ICICI CC service is the issue.

 

[altair21]

I was automatically offered Sapphiro as LTF since I had good Cibil score and got upgraded to Wealth cat.

whats your CIBIL?

 

[thiruvetti]

whats your CIBIL?

Havent checked but few months back it was somewhere > 780

 

[altair21]

Havent checked but few months back it was somewhere > 780

ah that might be it for me then, mine hovers around 780-785

 

[sambitpatro]

ah that might be it for me then, mine hovers around 780-785

That's a good score...I also have around 780 and got saphiro LTF

 

[helloworld]

This is working since 4+ years.. with relaxation on salary, no account needed but patience required.

Post in thread 'How to get ICICI SAPPHIRO AMEX?'

Oct 30, 2022

Any range pls
My current ITR 15+

The criteria for LTF [banking relationship not needed, credit card usage enough with salary]:

1. Coral LTF: Every employee is eligible
2. Rubyx LTF: Employee having net salary 1L+ per month
3. Sapphiro LTF: Employee having net salary 2L+ per month

Request on twitter/email with your salary information, they can offer you one of above cards.

Note: Those who want and qualified for Sapphiro, they will offer Rubyx but with little push and if you have any other ICICI card with good usage, mention the same and get it.

Nothing can be done in one...

• helloworld

• 

 

[sambitpatro]

This is working since 4+ years.. with relaxation on salary, no account needed but patience required.

Post in thread 'How to get ICICI SAPPHIRO AMEX?'

Oct 30, 2022

Any range pls
My current ITR 15+

The criteria for LTF [banking relationship not needed, credit card usage enough with salary]:

1. Coral LTF: Every employee is eligible
2. Rubyx LTF: Employee having net salary 1L+ per month
3. Sapphiro LTF: Employee having net salary 2L+ per month

Request on twitter/email with your salary information, they can offer you one of above cards.

Note: Those who want and qualified for Sapphiro, they will offer Rubyx but with little push and if you have any other ICICI card with good usage, mention the same and get it.

Nothing can be done in one...

• helloworld

• 

As per some comments the salary criteria has been reduced

 

[helloworld]

As per some comments the salary criteria has been reduced

salary relaxation always there, just find right support that needs some patience.

btw, in banking industry everything can be relaxed as long as the person knows about it and we apply through them.

 

[altair21]

salary relaxation always there, just find right support that needs some patience.

btw, in banking industry everything can be relaxed as long as the person knows about it and we apply through them.

do you have any idea where I can mail ICICI for a decent lts CC? or atleast FYF? I keep trying to apply both online and offline and every time they only offer me plat ltf, rest paid even though I more than satisfy the criteria for even Sapphiro

 

[helloworld]

do you have any idea where I can mail ICICI for a decent lts CC? or atleast FYF? I keep trying to apply both online and offline and every time they only offer me plat ltf, rest paid even though I more than satisfy the criteria for even Sapphiro

chat them twitter, they'll call back. explain your income and relationship etc.

if they can't help, try after 15 days same. as mentioned need patience and have to find right support.

 

[altair21]

chat them twitter, they'll call back. explain your income and relationship etc.

if they can't help, try after 15 days same. as mentioned need patience and have to find right support.

you meant this one right? https://x.com/ICICIBank_Care , I have got a application number for my cc, was thinking of sending them a DM with it and asking for a rubyx ltf or FYF

 

[altair21]

Just got back from the social media team calling me, and all they said is no pre-existing relationship, go to branch,

 

[helloworld]

Just got back from the social media team calling me, and all they said is no pre-existing relationship, go to branch,

It works only if you have any other ICICI card like amzn pay or platinum. Not directly.

 

[altair21]

It works only if you have any other ICICI card like amzn pay or platinum. Not directly.

have got a coral FYF for current sales, should I apply for an upgrade after 6 months?

 

[thiruvetti]

I was given a new link by RM to see what ICICI CC it offers. When I checked the link first time, I was not asked for salary slip. Just Employer info.
I couldnt complete the application due to work. Then came back next day on same link and started the application process.

This time suddenly it brings this compulsory Salary linking option. Why is it suddenly appearing in second attempt? Should I ask RM for generating new link?

Please advice @Anindya98 @helloworld