Need Help in selecting the Secured Card

[sn1perdj]

Currently i own kotak’s league unsecured card with limit 37k and oneCard secured with 2k fd.

Right now, i am thinking about making a FD in ICICI Bank to get their secured card with limit of 1L

I mainly targeting AmazonPay card to get in a year through the secured card. Will it be a help in getting Apay card ?

Or should i go with another bank’s secured card? What would you recommend ?

 

[amit]

Currently i own kotak’s league unsecured card with limit 37k and oneCard secured with 2k fd.

Right now, i am thinking about making a FD in ICICI Bank to get their secured card with limit of 1L

I mainly targeting AmazonPay card to get in a year through the secured card. Will it be a help in getting Apay card ?

Or should i go with another bank’s secured card? What would you recommend ?

check amazon app regularly or apply from amazon app for icici apay card, it should give u without income proof.
how old is your amazon app account.?

 

[sn1perdj]

check amazon app regularly or apply from amazon app for icici apay card, it should give u without income proof.
how old is your amazon app account.?

It should be atleast 7-8 years and i tried to apply through their app but it was asking for income proof which I don’t have.

 

[Batmanbaba]

It should be atleast 7-8 years and i tried to apply through their app but it was asking for income proof which I don’t have.

Don't take apay first else it will be very hard to get normal icici cards in future... Better keep around 1-2 lakh in ur account for 2-3 months do regular transactions.. Even paytm add money will work.... U will get a pre approved offer in icici... And after that u will easily get apay

 

[sn1perdj]

Don't take apay first else it will be very hard to get normal icici cards in future... Better keep around 1-2 lakh in ur account for 2-3 months do regular transactions.. Even paytm add money will work.... U will get a pre approved offer in icici... And after that u will easily get apay

Okay… so taking a card against 1L fd will be of any use.
I was thinking about using it for a while and then apply other banks cards using the C2C method.

 

[Chaitanya-a]

Don't take apay first else it will be very hard to get normal icici cards in future... Better keep around 1-2 lakh in ur account for 2-3 months do regular transactions.. Even paytm add money will work.... U will get a pre approved offer in icici... And after that u will easily get apay

Its not at all difficult. I hold Apay Card and applied for platinum card. It got approved without any hassle. While verifying, the customer care even offered me their MMT signature card as well.

 

[Batmanbaba]

Its not at all difficult. I hold Apay Card and applied for platinum card. It got approved without any hassle. While verifying, the customer care even offered me their MMT signature card as well.

Now from 22 nov the policy has changed..... U have to apply for platinum seperately... And for expression to any other card u have to wait for atleast 3 months........

 

[TheTrickySid]

Now from 22 nov the policy has changed..... U have to apply for platinum seperately... And for expression to any other card u have to wait for atleast 3 months........

Any official documentation??

 

[Batmanbaba]

Okay… so taking a card against 1L fd will be of any use.
I was thinking about using it for a while and then apply other banks cards using the C2C method.

Keep in the icici account and take the unsecured card... Icici gives good limit so it will be helpful for c2c... Don't take hdfc as ur first unsecured card as it won't report limit to cibil....

 

[Batmanbaba]

Any official documentation??

Some people reported on icici thread after calling customer care... ....

 

[Chaitanya-a]

Now from 22 nov the policy has changed..... U have to apply for platinum seperately... And for expression to any other card u have to wait for atleast 3 months........

Yeah I've applied seperately only. And it got approved on 3rd of December. However, the customer care executive while verifying asked whether I hold any other card I told him about the Apay card.
And yes for upgrading/downgrading from expression, it has to be 3-6 months old.

 

[Batmanbaba]

Yeah I've applied seperately only. And it got approved on 3rd of December. However, the customer care executive while verifying asked whether I hold any other card I told him about the Apay card.
And yes for upgrading/downgrading from expression, it has to be 3-6 months old.

I changed from mine to platinum ltf.... On call before 22 nov....... They told me they will give coral ltf... But approved mine credit card...

 

[rockyBalboa]

Now from 22 nov the policy has changed..... U have to apply for platinum seperately... And for expression to any other card u have to wait for atleast 3 months........

Expressions to Platinum route is still working as before. No need to wait for 3 months. I was able to convert my 4-5 days old expressions card smoothly on the very first call to ICICI customer service 2 days ago. Even my Apay card, based on which I got Expressions card, is less than 6 months old. As soon as I get my Platinum card delivered I will post my timeline and experience on the main thread.

 

[Chaitanya-a]

Expressions to Platinum route is still working as before. No need to wait for 3 months. I was able to convert my 4-5 days old expressions card smoothly on the very first call to ICICI customer service 2 days ago. Even my Apay card, based on which I got Expressions card, is less than 6 months old. As soon as I get my Platinum card delivered I will post my timeline and experience on the main thread.

Man really? My expression card got delivered on 15th December. Since then, I called them atleast 10 times. All of them rejected. Some were saying to wait for 3 months and some saying 6 months.

 

[Batmanbaba]

Expressions to Platinum route is still working as before. No need to wait for 3 months. I was able to convert my 4-5 days old expressions card smoothly on the very first call to ICICI customer service 2 days ago. Even my Apay card, based on which I got Expressions card, is less than 6 months old. As soon as I get my Platinum card delivered I will post my timeline and experience on the main thread.

Yes its now a hit and miss.... But officially it has been the policy now.... Maybe some agents might not be aware of the policy so they are doing it now......... All depends on the agent you are connected to....

 

[Rahul92]

My hpcl supersaver card was due for renewal in Feb. I called to close this card. Negotiated with retention team and converted it to Platinum LTF

 

[Chaitanya-a]

Yes its now a hit and miss.... But officially it has been the policy now.... Maybe some agents might not be aware of the policy so they are doing it now......... All depends on the agent you are connected to....

I tried today and they took the request for MMT Signature card upgrade. Really a hit or miss

 

[Batmanbaba]

I tried today and they took the request for MMT Signature card upgrade. Really a hit or miss

Mmt signature is a much better card than platinum.... The joining fees is the only fees u have to pay... Then its ltf....

 

[Chaitanya-a]

Mmt signature is a much better card than platinum.... The joining fees is the only fees u have to pay... Then its ltf....

Yeah true. Customer care executive told me the service request no. but I didn't received any official mail or message yet.

 

[Batmanbaba]

Yeah true. Customer care executive told me the service request no. but I didn't received any official mail or message yet.

It takes around 24 hours to see in imobile..... Mostly virtual card will be generated after 12 am after day of the request....