Then don't apply better u asked .No will apply on 24 March on my bday as my age will become 21
Get icici Platinum chip card for 50-60 k
But should be ready to maintain card for 3-6 month
If u can't maintain 1 lakh for more than 3 month on fd card
Once Apay senses you have icici card u will get it in 2 Mintues ..
You can also get it triggered by icici twitter team