LTF ICICI Sapphiro Journey on Salary Criteria

[Anindya98]

I am sharing my experience & tricks to get ICICI Sapphiro LTF easily based on your Salary.

I am a Central Govt employee (Gazetted officer), recently I opened a new ICICI Wealth Management Salary Account. Previously I had a salary account with SBI. I was NTB to ICICI Bank before Jan 2024. I first got the Coral Visa LTF CC in Jan 2024 then last month received Rupay Coral LTF Pre-Approved and also opened my ICICI Wealth Management Salary Account with them.

I opened the account(Salary WM Acc) on 29th May 2024. But no salary has been credited till now will start receiving from this month. I think having a Salary Acc with them gives you more leverage. In my case, I was eligible for Rubyx LTF but asked for the Sapphiro Duet LTF version they applied the Sapphiro paid variant on 10th June and said it will convert into LTF automatically as the approval was already taken from the Regional Head by BM. I was short of 15K in salary criteria for Sapphiro.
In my case, my gross salary(1.35L) was taken into consideration, my in-hand is around 80K p.m rest I save in GPF, and I don't have any EMI or Loan. But most of the cases in hand will be taken into consideration as per my RM.

Card Application Timeline: Application Date 10 June, Finally Processed 11th June, Card Generated 13th June, Delivered 16th June. Verified with Customer Care It's LTF.

Sharing Few points based on my experience:

! Having a Salary Account with them makes negotiating easier and faster as not much verification is needed.
!! Also, it depends on the branch BM, RM, or CC agent how much they want to assist you regarding this for example in my case without even crediting a single month's salary or using my coral cc once they helped me to get the card within 10-15 days of account opening. Also, try different branches if they are not helping you.
!!! As per my RM if you want a higher variant card from ICICI like Sapphiro/Emerald try avoiding Rubyx if you already have other options. Try to negotiate for the higher variant only, after that it's very easy to get the lower variant LTF if you need it. Upgrading to LTF variant is hard without good spending or TRV.
!!!! In my case, it was very easy to get the card, it might not be easy for others to get it. Sharing my general view is it worth the hassle if you are not getting LTF? No, ICICI bank cards have very basic reward rates except Apay.
!!!!! If you already meet/just around the Salary Criteria and want to upgrade to these cards visit the branch. CC will not help you regarding this they always say the paid variant is available for you.
!!!!!! Why I got this card?
It's LTF, only useful during ICICI Bank Offers, BMS offer, Lounge Access INT. & Domestic, looks good & easily they agreed to issue me the card based on my Employer and salary.

Note: In my iMobile app I was getting Rubyx Rupay Paid under Pre-approved Offer before applying Sapphiro. Documents required during my application Salary Slip for the last month & Last 6 months' statement(I submitted my SBI one).

Applied for an Add-on Card for my wife not sure if she will receive the Dragon Pass or not. My one will be delivered separately.

Now I will close my Coral Visa and after few months I will get the Rubyx Rupay LTF and close my Coral Rupay.

Read this thread for Salary Criteria details:

https://www.technofino.in/community...ry-criteria-for-sapphiro-ltf-rubyx-ltf.27588/

 

[SSV]

I am sharing my experience & tricks to get ICICI Sapphiro LTF easily based on your Salary.

I am a Central Govt employee (Gazetted officer), recently I opened a new ICICI Wealth Management Salary Account. Previously I had a salary account with SBI. I was NTB to ICICI Bank before Jan 2024. I first got the Coral Visa LTF CC in Jan 2024 then last month received Rupay Coral LTF Pre-Approved and also opened my ICICI Wealth Management Salary Account with them.

I opened the account(Salary WM Acc) on 29th May 2024. But no salary has been credited till now will start receiving from this month. I think having a Salary Acc with them gives you more leverage. In my case, I was eligible for Rubyx LTF but asked for the Sapphiro Duet LTF version they applied the Sapphiro paid variant on 10th June and said it will convert into LTF automatically as the approval was already taken from the Regional Head by BM. I was short of 15K in salary criteria for Sapphiro.
In my case, my gross salary(1.35L) was taken into consideration, my in-hand is around 80K p.m rest I save in GPF, and I don't have any EMI or Loan. But most of the cases in hand will be taken into consideration as per my RM.

Card Application Timeline: Application Date 10 June, Finally Processed 11th June, Card Generated 13th June, Delivered 16th June. Verified with Customer Care It's LTF.

Sharing Few points based on my experience:

! Having a Salary Account with them makes negotiating easier and faster as not much verification is needed.
!! Also, it depends on the branch BM, RM, or CC agent how much they want to assist you regarding this for example in my case without even crediting a single month's salary or using my coral cc once they helped me to get the card within 10-15 days of account opening. Also, try different branches if they are not helping you.
!!! As per my RM if you want a higher variant card from ICICI like Sapphiro/Emerald try avoiding Rubyx if you already have other options. Try to negotiate for the higher variant only, after that it's very easy to get the lower variant LTF if you need it. Upgrading to LTF variant is hard without good spending or TRV.
!!!! In my case, it was very easy to get the card, it might not be easy for others to get it. Sharing my general view is it worth the hassle if you are not getting LTF? No, ICICI bank cards have very basic reward rates except Apay.
!!!!! If you already meet/just around the Salary Criteria and want to upgrade to these cards visit the branch. CC will not help you regarding this they always say the paid variant is available for you.
!!!!!! Why I got this card?
It's LTF, only useful during ICICI Bank Offers, BMS offer, Lounge Access INT. & Domestic, looks good & easily they agreed to issue me the card based on my Employer and salary.

Note: In my iMobile app I was getting Rubyx Rupay Paid under Pre-approved Offer before applying Sapphiro. Documents required during my application Salary Slip for the last month & Last 6 months' statement(I submitted my SBI one).

Applied for an Add-on Card for my wife not sure if she will receive the Dragon Pass or not. My one will be delivered separately.

Now I will close my Coral Visa and after few months I will get the Rubyx Rupay LTF and close my Coral Rupay.

Read this thread for Salary Criteria details:

https://www.technofino.in/community...ry-criteria-for-sapphiro-ltf-rubyx-ltf.27588/

A small suggestion but of big value..
Never use coloured text,
If you want to highlight something, just use bold and italic..

You can safely ignore this , if you don't like it..

For readability purposes plain single color text is more classy and professional

 

[Anindya98]

A small suggestion but of big value..
Never use coloured text,
If you want to highlight something, just use bold and italic..

You can safely ignore this , if you don't like it..

For readability purposes plain single color text is more classy and professional

Done thanks for the suggestion.

 

[BeingIncogBeingIncog is verified member.]

Done thanks for the suggestion.

thanks it's now unreadable on dark theme

 

[Anindya98]

I am sharing my experience & tricks to get ICICI Sapphiro LTF easily based on your Salary.

I am a Central Govt employee (Gazetted officer), recently I opened a new ICICI Wealth Management Salary Account. Previously I had a salary account with SBI. I was NTB to ICICI Bank before Jan 2024. I first got the Coral Visa LTF CC in Jan 2024 then last month received Rupay Coral LTF Pre-Approved and also opened my ICICI Wealth Management Salary Account with them.

I opened the account(Salary WM Acc) on 29th May 2024. But no salary has been credited till now will start receiving from this month. I think having a Salary Acc with them gives you more leverage. In my case, I was eligible for Rubyx LTF but asked for the Sapphiro Duet LTF version they applied the Sapphiro paid variant on 10th June and said it will convert into LTF automatically as the approval was already taken from the Regional Head by BM. I was short of 15K in salary criteria for Sapphiro.
In my case, my gross salary(1.35L) was taken into consideration, my in-hand is around 80K p.m rest I save in GPF, and I don't have any EMI or Loan. But most of the cases in hand will be taken into consideration as per my RM.

Card Application Timeline: Application Date 10 June, Finally Processed 11th June, Card Generated 13th June, Delivered 16th June. Verified with Customer Care It's LTF.

Sharing Few points based on my experience:

! Having a Salary Account with them makes negotiating easier and faster as not much verification is needed.
!! Also, it depends on the branch BM, RM, or CC agent how much they want to assist you regarding this for example in my case without even crediting a single month's salary or using my coral cc once they helped me to get the card within 10-15 days of account opening. Also, try different branches if they are not helping you.
!!! As per my RM if you want a higher variant card from ICICI like Sapphiro/Emerald try avoiding Rubyx if you already have other options. Try to negotiate for the higher variant only, after that it's very easy to get the lower variant LTF if you need it. Upgrading to LTF variant is hard without good spending or TRV.
!!!! In my case, it was very easy to get the card, it might not be easy for others to get it. Sharing my general view is it worth the hassle if you are not getting LTF? No, ICICI bank cards have very basic reward rates except Apay.
!!!!! If you already meet/just around the Salary Criteria and want to upgrade to these cards visit the branch. CC will not help you regarding this they always say the paid variant is available for you.
!!!!!! Why I got this card?
It's LTF, only useful during ICICI Bank Offers, BMS offer, Lounge Access INT. & Domestic, looks good & easily they agreed to issue me the card based on my Employer and salary.

Note: In my iMobile app I was getting Rubyx Rupay Paid under Pre-approved Offer before applying Sapphiro. Documents required during my application Salary Slip for the last month & Last 6 months' statement(I submitted my SBI one).

Applied for an Add-on Card for my wife not sure if she will receive the Dragon Pass or not. My one will be delivered separately.

Now I will close my Coral Visa and after few months I will get the Rubyx Rupay LTF and close my Coral Rupay.

Read this thread for Salary Criteria details:

https://www.technofino.in/community...ry-criteria-for-sapphiro-ltf-rubyx-ltf.27588/

@youkarthik @diptarkaroy @m4b @tbharech @Kapil620 @jeevanreddy58 @Vasuki @Abhishek012 @Wealth is my birth right! @anirban.choudhury @007

 

[SSV]

thanks it's now unreadable on dark theme

I am sharing my experience & tricks to get ICICI Sapphiro LTF easily based on your Salary.

I am a Central Govt employee (Gazetted officer), recently I opened a new ICICI Wealth Management Salary Account. Previously I had a salary account with SBI. I was NTB to ICICI Bank before Jan 2024. I first got the Coral Visa LTF CC in Jan 2024 then last month received Rupay Coral LTF Pre-Approved and also opened my ICICI Wealth Management Salary Account with them.

I opened the account(Salary WM Acc) on 29th May 2024. But no salary has been credited till now will start receiving from this month. I think having a Salary Acc with them gives you more leverage. In my case, I was eligible for Rubyx LTF but asked for the Sapphiro Duet LTF version they applied the Sapphiro paid variant on 10th June and said it will convert into LTF automatically as the approval was already taken from the Regional Head by BM. I was short of 15K in salary criteria for Sapphiro.
In my case, my gross salary(1.35L) was taken into consideration, my in-hand is around 80K p.m rest I save in GPF, and I don't have any EMI or Loan. But most of the cases in hand will be taken into consideration as per my RM.

Card Application Timeline: Application Date 10 June, Finally Processed 11th June, Card Generated 13th June, Delivered 16th June. Verified with Customer Care It's LTF.

Sharing Few points based on my experience:

! Having a Salary Account with them makes negotiating easier and faster as not much verification is needed.
!! Also, it depends on the branch BM, RM, or CC agent how much they want to assist you regarding this for example in my case without even crediting a single month's salary or using my coral cc once they helped me to get the card within 10-15 days of account opening. Also, try different branches if they are not helping you.
!!! As per my RM if you want a higher variant card from ICICI like Sapphiro/Emerald try avoiding Rubyx if you already have other options. Try to negotiate for the higher variant only, after that it's very easy to get the lower variant LTF if you need it. Upgrading to LTF variant is hard without good spending or TRV.
!!!! In my case, it was very easy to get the card, it might not be easy for others to get it. Sharing my general view is it worth the hassle if you are not getting LTF? No, ICICI bank cards have very basic reward rates except Apay.
!!!!! If you already meet/just around the Salary Criteria and want to upgrade to these cards visit the branch. CC will not help you regarding this they always say the paid variant is available for you.
!!!!!! Why I got this card?
It's LTF, only useful during ICICI Bank Offers, BMS offer, Lounge Access INT. & Domestic, looks good & easily they agreed to issue me the card based on my Employer and salary.

Note: In my iMobile app I was getting Rubyx Rupay Paid under Pre-approved Offer before applying Sapphiro. Documents required during my application Salary Slip for the last month & Last 6 months' statement(I submitted my SBI one).

Applied for an Add-on Card for my wife not sure if she will receive the Dragon Pass or not. My one will be delivered separately.

Now I will close my Coral Visa and after few months I will get the Rubyx Rupay LTF and close my Coral Rupay.

Read this thread for Salary Criteria details:

https://www.technofino.in/community...ry-criteria-for-sapphiro-ltf-rubyx-ltf.27588/

I know you are excited, but having a salary account and getting an LTF Sapphiro is quite a normal thing...
what you got here is Waiver on salary limit, which is also possible, even though it is not a common occurence.. still very much possible.....

If you had got this without a salary account with them , then it is an achievement...

DOnt want to spoil your party... just saying the reality...
Still well done.. enjoy your card...

 

[helloworld]

A small suggestion but of big value..
Never use coloured text,
If you want to highlight something, just use bold and italic..

You can safely ignore this , if you don't like it..

For readability purposes plain single color text is more classy and professional

++ avoid bold unnecessarily.

 

[SSV]

++ avoid bold unnecessarily.

Thanks for sharing your thoughts..
I dont want to look like too bossy hence didn't adivse him this.. but you helped the cause .... 😉

 

[Anindya98]

I know you are excited, but having a salary account and getting an LTF Sapphiro is quite a normal thing...
what you got here is Waiver on salary limit, which is also possible, even though it is not a common occurence.. still very much possible.....

Yes, I totally agree with you. I just wanted to share my experience and if anyone want to know the process can refer this.

If you had got this without a salary account with them , then it is an achievement...

Yes, I have already asked them about this it is also possible but they need to have some relationship with ICICI Bank like Loan, existing Credit card with higher limit or any investment plan.

 

[Wealth is my birth right!]

I am sharing my experience & tricks to get ICICI Sapphiro LTF easily based on your Salary.

I am a Central Govt employee (Gazetted officer), recently I opened a new ICICI Wealth Management Salary Account. Previously I had a salary account with SBI. I was NTB to ICICI Bank before Jan 2024. I first got the Coral Visa LTF CC in Jan 2024 then last month received Rupay Coral LTF Pre-Approved and also opened my ICICI Wealth Management Salary Account with them.

I opened the account(Salary WM Acc) on 29th May 2024. But no salary has been credited till now will start receiving from this month. I think having a Salary Acc with them gives you more leverage. In my case, I was eligible for Rubyx LTF but asked for the Sapphiro Duet LTF version they applied the Sapphiro paid variant on 10th June and said it will convert into LTF automatically as the approval was already taken from the Regional Head by BM. I was short of 15K in salary criteria for Sapphiro.
In my case, my gross salary(1.35L) was taken into consideration, my in-hand is around 80K p.m rest I save in GPF, and I don't have any EMI or Loan. But most of the cases in hand will be taken into consideration as per my RM.

Card Application Timeline: Application Date 10 June, Finally Processed 11th June, Card Generated 13th June, Delivered 16th June. Verified with Customer Care It's LTF.

Sharing Few points based on my experience:

! Having a Salary Account with them makes negotiating easier and faster as not much verification is needed.
!! Also, it depends on the branch BM, RM, or CC agent how much they want to assist you regarding this for example in my case without even crediting a single month's salary or using my coral cc once they helped me to get the card within 10-15 days of account opening. Also, try different branches if they are not helping you.
!!! As per my RM if you want a higher variant card from ICICI like Sapphiro/Emerald try avoiding Rubyx if you already have other options. Try to negotiate for the higher variant only, after that it's very easy to get the lower variant LTF if you need it. Upgrading to LTF variant is hard without good spending or TRV.
!!!! In my case, it was very easy to get the card, it might not be easy for others to get it. Sharing my general view is it worth the hassle if you are not getting LTF? No, ICICI bank cards have very basic reward rates except Apay.
!!!!! If you already meet/just around the Salary Criteria and want to upgrade to these cards visit the branch. CC will not help you regarding this they always say the paid variant is available for you.
!!!!!! Why I got this card?
It's LTF, only useful during ICICI Bank Offers, BMS offer, Lounge Access INT. & Domestic, looks good & easily they agreed to issue me the card based on my Employer and salary.

Note: In my iMobile app I was getting Rubyx Rupay Paid under Pre-approved Offer before applying Sapphiro. Documents required during my application Salary Slip for the last month & Last 6 months' statement(I submitted my SBI one).

Applied for an Add-on Card for my wife not sure if she will receive the Dragon Pass or not. My one will be delivered separately.

Now I will close my Coral Visa and after few months I will get the Rubyx Rupay LTF and close my Coral Rupay.

Read this thread for Salary Criteria details:

https://www.technofino.in/community...ry-criteria-for-sapphiro-ltf-rubyx-ltf.27588/

Thanks for the articled experience
I have privilege banking with them for 8 years and have coral ltf also apay ltf
Never used much ICICI cards due to poor rewards structure
Yes me too get paid rubyx for years as pre approved but didn’t taken it
My salary account i cant move to ICICI so that’s my limitation else i vouch for saphiro
2 or 3 times BM called on financial year end time i mean march last week and requested me to keep higher funds in my account and i helped with 10l then moved out but didn’t squeezed anything out of it…

 

[SSV]

i helped with 10l then moved out but didn’t squeezed anything out of it…

This is where you must have played cards differently...
It is afterall business...
Both the parties here trying to gain from each other ...

 

[Wealth is my birth right!]

This is where you must have played cards differently...

Yes but last week of an FY i too will be much tightly packed works so didn’t pressed him
Now he got transferred and his last day introduced some lady for my account support but she calls for PL offer every month lol

 

[Wealth is my birth right!]

This is where you must have played cards differently...
It is afterall business...
Both the parties here trying to gain from each other ...

My current offers with ICICI but not taking any

 

[SSV]

Yes but last week of an FY i too will be much tightly packed works so didn’t pressed him
Now he got transferred and his last day introduced some lady for my account support but she calls for PL offer every month lol

yeah true..
two decades ago..- Loyalty and Honesty were playing big roles in any relationships
Now - Need and Greed are playing big role...

It is an unfortunate fact ..but we need to acknowledge this change and
try to adopt into the new paradigm as much as possible without losing our core individual's constitutional values..
otherwise be ready to be left out and isolated...
this is the reality and applies to everyone..

 

[SSV]

My current offers with ICICI but not taking any

Okay, on this subject I would like to do a bit of research..
If you could spare some time, it would be great..

first question.
What is your iScore (under Discover tab in the iMobile APp)

 

[helloworld]

My current offers with ICICI but not taking any

I have same offers (limits do vary though). I do not have banking relationship with them. Only credit cards through twitter.

I agree with the fact that if we loyal to any bank that is where we get less benefits, whereas others are eager to provide any. Next time squeeze as much as possible, they're providing same to people who do not have any relationship yet long people waiting in queue. Drop a mail or twitter.

Get Emeralde or Sapphiro LTF or if dealing with BM get Emeralde Private. We don't know what they're capable, so check once.

 

[Wealth is my birth right!]

Okay, on this subject I would like to do a bit of research..
If you could spare some time, it would be great..

first question.
What is your iScore (under Discover tab in the iMobile APp)

Thanks for your time
Here its

 

[Wealth is my birth right!]

I have same offers (limits do vary though). I do not have banking relationship with them. Only credit cards through twitter.

I agree with the fact that if we loyal to any bank that is where we get less benefits, whereas others are eager to provide any. Next time squeeze as much as possible, they're providing same to people who do not have any relationship yet long people waiting in queue. Drop a mail or twitter.

Get Emeralde or Sapphiro LTF or if dealing with BM get Emeralde Private. We don't know what they're capable, so check once.

Yes everything should be give and take
I maintain ICICI since i gave this account to pf nps and IT all long term plans

 

[SSV]

Thanks for your time
Here its

Here are next set of questions: answer as much as possible.. if you think it is invading your privacy, give some ball park figures..

1) Age of relationship with ICICI..
2) Detials of your CCs you hold, like name, CL and age
3) SB account details
4) Salried / Self Employed , and income range --- please provide the details at the time of your application / as per latest records in ICICI.. your persent income may be different.. I am intertested in knowing what was recorded in the ICICI records. ( just give ball park figures ...
5) CIBIL age and current score..
6) Do you hold any other realtionship with ICICI other than SB and CC.
7) If you clcik on iSocre, you will find the history of the score for the last one year., please provide the SS..

Thanks

 

[SSV]

My current offers with ICICI but not taking any

Thanks for your time
Here its

I have same offers (limits do vary though). I do not have banking relationship with them. Only credit cards through twitter.

I agree with the fact that if we loyal to any bank that is where we get less benefits, whereas others are eager to provide any. Next time squeeze as much as possible, they're providing same to people who do not have any relationship yet long people waiting in queue. Drop a mail or twitter.

Get Emeralde or Sapphiro LTF or if dealing with BM get Emeralde Private. We don't know what they're capable, so check once.

Summary of the above screens:

1) I got preapproved home laon of 95.5 L and Auto loan of 50 L and Loan against property 80L...
2) The above were half of these values about a year ago..

These are relatively higher on an average when compared to typical offers..why?

1) Because: I have a good CIBIL score and a very good iSocre for the last 18 months or so. it touched once 90..
2) My Income range as per ICICI records is 20L .
3)My CL is a bit above average sdnign at 7.7L..

Moving forward:
Assuming , my income range stays at 20 to 35L range only.. if I improves my CLs on the CCs and if I improve iScore to 90 consistently .. my preapproved HL will touch some whare 1.5Cr in about 6 to 12 months...

I think this is how it is working in ICICI.. and iScore is playing some role in the offers credit limits..
iScore itself is dependent on various credit prodcuts that we use in ICICI..
I will write a seperate thread about iScore and gather more conret info from users for the benefit of all..