LTF Pre-approved Coral Rupay credit card offer recieved within a month of Amazon pay ICICI credit card Approval

[sovon]

Just now at 12:20 am mid night, I opened the iMobile app and guess what a pre-approved rupay coral card offer is showing for me.

I just grabbed the offer. 🙌🙌

My Amazon pay ICICI card was approved last month on 19th July 2024 without any banking relationship with ICICI bank, without income proof and video kyc. Today 9th August I received the pre-approved LTF coral card offer, it's not even a month.

And guess what my first bill is not generated yet, 1st billing date is 12th August.

This month I have spent nearly 3k.

I was too much anxious for Rupay Card as well as a core icici credit card. Maybe you have seen my posts and comments asking about the details, and everyone told me to wait for sometime.
And I listened to them, thank you to everyone, those who have shared their valueable advice.

Thank you.

One more thing, I have completed the process but the card is not showing in my app, so how much it will take to reflect the card details? And could you please confirm me that if they will send any physical card or not?

Update: 12 October 2024

So 4 days ago got credit card upgrade offer
Rubyx, HPCL visa, Mu.
All are paid.

Also got a pre-approved loan for 5 lakh.

Although I don't have any interest on paid cards or loan. I'm already having a paid HPCL rupay card, got from last pre-approved offer.

 

[drvenkat]

Got pre-approved offer for Coral RuPay yesterday through iMobile app. I hold a 2 month old A-Pay CC with 1.10L limit.
Checked earlier this morning and a virtual card has been generated with the same limit as A-Pay Card. I've only used 3.6k from the A-Pay Card in this billing cycle and the limit bar shows the stat accordingly.
But for the Coral CC, the limit is displayed as 1.10L. Just wanted to know if the limit for both these cards are shared or separate.

Limit is shared

 

[TechnoFi]

Was there a CIBIL hit?

NO CIBIL HIT .......

 

[DomCobb]

Was there a CIBIL hit?

Haven't received any CIBIL enquiry notification till now.
Physical card is yet to be dispatched.
Hope there's no CIBIL hit.
Back in September, I applied for SBI SimplySave CC through pre-approved offer from home branch. Application got rejected twice but was successful the third time. This resulted in CIBIL enquiry happening a total of 4 times and a drop of 20 points.

 

[DomCobb]

Limit is shared

Hmmm, the consensus is still split on this topic 😆

 

[Abhisek]

Got pre-approved offer for Coral RuPay yesterday through iMobile app. I hold a 2 month old A-Pay CC with 1.10L limit.
Checked earlier this morning and a virtual card has been generated with the same limit as A-Pay Card. I've only used 3.6k from the A-Pay Card in this billing cycle and the limit bar shows the stat accordingly.
But for the Coral CC, the limit is displayed as 1.10L. Just wanted to know if the limit for both these cards are shared or separate.

Limit is separate. Today i made transaction of 80 rupees using Coral Rupay UPI. So limit became 59920 in Imobile app for Coral. While for Apay it is some 56000.

 

[itsnotbro]

Limit is separate. Today i made transaction of 80 rupees using Coral Rupay UPI. So limit became 59920 in Imobile app for Coral. While for Apay it is some 56000.

It's reported as seperate account in cibil, that's why, it's still shared limit. So don't use more than your limit. If your apay limit doesn't match coral then ask customer care to match it.

 

[sovon]

Was there a CIBIL hit?

No

Limit is separate. Today i made transaction of 80 rupees using Coral Rupay UPI. So limit became 59920 in Imobile app for Coral. While for Apay it is some 56000.

Limit is shared, check your last transaction email.
You will find the actual remaining limit

 

[DomCobb]

Hmmm, the consensus is still split on this topic 😆

So, I called the customer care helpline and they confirmed that the limit for both the cards is shared.

 

[GizaPyramid]

Got mine instantly generated just after 15-18 days from the approval of Amazon Pay icici.

 

[Master Chief 117]

What’s the cooldown period in ICICI for pre-approved credit card offers to show up again after applying for pre-approved card ?

 

[HumorSimpson]

Wow you were active here since August 2024

 

[sovon]

What’s the cooldown period in ICICI for pre-approved credit card offers to show up again after applying for pre-approved card ?

I don't know exactly, I personally recieved 2nd upgrade offer within a month.
From coral to rubyx paid, which obviously I didn't take.

 

[sovon]

Wow you were active here since August 2024

Actually from June or July 2024.

As I applied for apay on July, after applying the card, it was taking time (Saturday, Sunday, few holidays) so I was anxious and was searching for the exact process, at that time I found TF.
And I was anxious because there was no video kyc, no option to submit documents, even it wasn't approved instantly.
so I was totally confused with my application.

 

[Bart Simpson]

I already hold an ICICI Platinum card and I get at least 4 to 5 calls daily regarding a Coral RuPay upgrade. When I ask what new feature Coral has compared to Platinum, they just say it’s RuPay.

 

[Lynx]

This was my 3rd time application.

1st time the card was rejected instantly after submitting the application, 2nd time I have completed the Vkyc but I had no income proof so the application was rejected.

This was 3rd time, I just opened the application page on Amazon and few minutes later I got a call from agent.

And she guide me to fill the details in the application. As I had already done the Vkyc that's why this time I didn't see any video kyc option, saw a banner that 100% paperless process. So I just filled the details and submitted.

But if they are asking for video kyc in your case then you will get the option after the submission of the application, also you will receive the link on mail as well as on sms.
This whole thing will be describe by the agent, just ask them, they will clear all the confusion

You said you didn't have income proof, so how did you explain it in VKYC?

 

[sovon]

You said you didn't have income proof, so how did you explain it in VKYC?

They approved my card without video kyc.

I completed my video kyc on 2nd time, and I told them I'm self employed, teaching in a private institution. That's it, they didn't asked much at that time.

But deu to my low credit history age, my card was declined on 2nd time

 

[GTSaketh]

What’s the cooldown period in ICICI for pre-approved credit card offers to show up again after applying for pre-approved card ?

after i got coral, within less than 2 months i got offers again.

 

[akiratoriyama]

Finally got this as an option. Went away 8 months back, took the coral rupay cc ltf for core icici offers.

 

[hender]

Update: 12 October 2024

So 4 days ago got credit card upgrade offer
Rubyx, HPCL visa, Mu.
All are paid.

Also got a pre-approved loan for 5 lakh.

Although I don't have any interest on paid cards or loan. I'm already having a paid HPCL rupay card, got from last pre-approved offer.

Congratulations 🎉, one year completed, and we got to know 😁 Today 🤠 😄 !!!
11 October 2025

 

[sovon]

Congratulations 🎉, one year completed, and we got to know 😁 Today 🤠 😄 !!!
11 October 2025

June 2024 se hoon 😛😛