My First Credit Card, Which ICICI Credit Card to select from Pre Approved list

[jgh]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

 

[Anindya98]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

Just go with ICICI Sapphiro Visa or Dual Card.
Amex One is not so useful and is mostly not accepted offline better to go with the Visa Variant. Also in the Amex Variant, you can Avail Amex Specific Online Offers.
Also, share your existing relationship with ICICI as you got Sapphiro LTF.
Like salary account, loans or any investment or only SB.

 

[reach2dpg]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

Wow … you must be having a very good banking relationship with ICICI to get LTF Sapphiro as your first card. Definitely worth getting it.

 

[Fini7777]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

I'd suggest u to go with the Sapphiro dual variant rather VISA

 

[KLB@96]

wow nice LTF

 

[jgh]

Just go with ICICI Sapphiro Visa or Dual Card.
Amex One is not so useful and is mostly not accepted offline better to go with the Visa Variant. Also in the Amex Variant, you can Avail Amex Specific Online Offers.
Also, share your existing relationship with ICICI as you got Sapphiro LTF.
Like salary account, loans or any investment or only SB.

thanks for the reply
I am using ICICI bank as only salary account and Never taken Loans or investments in this.

 

[jgh]

I'd suggest u to go with the Sapphiro dual variant rather VISA

Thanks for the reply.
any specific reason?

 

[Fini7777]

Thanks for the reply.
any specific reason?

it's good to keep an Aamex network card for occasional offers and the visa and MC sapphiro cards are almost similar
so, a dual variant can be a better option

 

[Dr.Anand456]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

Go for first option.

 

[jgh]

I just came to know that none of the card allows me to utilize the Domestic Airport lounge unless I spend some limit in Previous quarter.
Can you guys please suggest me any ltf card where I can use the Domestic Airport lounge this month?
if possible which can allow additional member along with me.

 

[Anindya98]

I just came to know that none of the card allows me to utilize the Domestic Airport lounge unless I spend some limit in Previous quarter.
Can you guys please suggest me any ltf card where I can use the Domestic Airport lounge this month?
if possible which can allow additional member along with me.

Most of the cards now have spend-based criteria for Airport Lounge Access.
Are you looking for CC or DC?
My suggestion is to either get Super Premium CC or DC with HNI Accounts with no Spends Criteria and also add on card holder or guest access is complimentary.
Can you share the maximum Access you need per Quarter with guests?

 

[praful47]

Just go with ICICI Sapphiro Visa or Dual Card.
Amex One is not so useful and is mostly not accepted offline better to go with the Visa Variant. Also in the Amex Variant, you can Avail Amex Specific Online Offers.
Also, share your existing relationship with ICICI as you got Sapphiro LTF.
Like salary account, loans or any investment or only SB.

we can't use amex cards on pos ?

 

[Anindya98]

we can't use amex cards on pos ?

No most of the merchants don't accept Amex Cards and some POS machines by default Amex is disabled

 

[praful47]

No most of the merchants don't accept Amex Cards and some POS machines by default Amex is disabled

Merchants have to pay high MDR ?

 

[Riya]

Hi Guys,

Need your expertise here.

I just decided to grab my first Credit Card. After going through many youtube and TF threads, its getting more complicated than I have imagined.

When I open my ICICI mobile app, I see some preapproved instant cards.

Can you help me filter which one shall grab.

1. ICICI Bank Sapphiro Credit Cards - Dual Card ( No Joining and No Annual fee)
2. MakeMyTrip ICICI Bank Signature Credit Card ( 2500rs Joining fee and No Annual Fee)
3. Sapphiro Visa Credit Card ( No Joining and No Annual fee)

Please suggest one.

Thanks for your time.

Definitely ICICI Sapphiro dual variant... Duh... It wasn't even something to think about twice

 

[Anindya98]

Merchants have to pay high MDR ?

y e s