Next credit card strategy

[RadioactiveTabela]

On July 04, I received ICICI Sapphiro with 300k limit which is 8x higher than my (20 months old) BoB Select. I've only these 2 active cards right now. Now I want to leverage this to:

1. Get more cards on C2C basis with same / similar limits (purely to drive down utilization and increase credit scores), preferably LTF; and
2. Get a LTF Rupay card.

Current CIBIL Score is 784. In past 6 months, I've 3 inquiries (surprise surprise, I started browsing Technofino mid June):
1. June 16 - IDFC First Bank (Rejected)
2. June 25 - ICICI Bank (Rejected)
3. June 29 - ICICI Bank (Accepted)

Now here's my plan of action:

1. July - Keep pestering ICICI Twitter team once a week to give me LTF Coral Rupay on shared limit. Not sure if they hit CIBIL for this.

Check if ICICI has reported limit to CIBIL by August 01, if reported:

2. August 07 - Apply for a Federal Bank LTF card: https://creditcards.federalbank.co.in/#/entry
3. August 08 - Apply for Kotak League Rupay LTF (if Coral is not approved): https://cards.kotak.com/card-details?productLogo=510
4. August 09 - Apply for a AU Small Finance Bank LTF card on SwipeUp portal: https://cconboarding.aubank.in/auccself/#/landing

5. September 07 - Apply for Axis MyZone or IndianOil Rupay (both LTF, whichever is not devalued already): https://clctab.axisbank.co.in/Digit...x2UGMO3b_dpZ3u&external_browser_redirect=true

Thought? Do the timelines make sense? Any better strategy?

 

[TheTrickySid]

On July 04, I received ICICI Sapphiro with 300k limit which is 8x higher than my (20 months old) BoB Select. I've only these 2 active cards right now. Now I want to leverage this to:

1. Get more cards on C2C basis with same / similar limits (purely to drive down utilization and increase credit scores), preferably LTF; and
2. Get a LTF Rupay card.

Current CIBIL Score is 784. In past 6 months, I've 3 inquiries (surprise surprise, I started browsing Technofino mid June):
1. June 16 - IDFC First Bank (Rejected)
2. June 25 - ICICI Bank (Rejected)
3. June 29 - ICICI Bank (Accepted)

Now here's my plan of action:

1. July - Keep pestering ICICI Twitter team once a week to give me LTF Coral Rupay on shared limit. Not sure if they hit CIBIL for this.

Check if ICICI has reported limit to CIBIL by August 01, if reported:

2. August 07 - Apply for a Federal Bank LTF card: https://creditcards.federalbank.co.in/#/entry
3. August 08 - Apply for Kotak League Rupay LTF (if Coral is not approved): https://cards.kotak.com/card-details?productLogo=510
4. August 09 - Apply for a AU Small Finance Bank LTF card on SwipeUp portal: https://cconboarding.aubank.in/auccself/#/landing

5. September 07 - Apply for Axis MyZone or IndianOil Rupay (both LTF, whichever is not devalued already): https://clctab.axisbank.co.in/Digit...x2UGMO3b_dpZ3u&external_browser_redirect=true

Thought? Do the timelines make sense? Any better strategy?

How you got Sapphiro??

 

[pprakash11]

How you got Sapphiro??

Refer this.

LTF ICICI Bank sapphiro credit card under alumni program : Full details and application link

Hello All Just wanted to make you guys aware of ICICI Bank's Alumni Program under which they are offering LTF Sapphiro for alums of Premier MBA Colleges and IITs I already had a Rubyx card and Amazon card with them with a limit of Rs. 6.5L which I had got from holding a Titanium Salary account...

www.technofino.in

 

[rogerthat]

If you are Sapphiro alumni you should be DCB alumni too. You should try for HDFC DCB LTF it is also a good leverage card to get any other card.

 

[SSV]

If you are Sapphiro alumni you should be DCB alumni too. You should try for HDFC DCB LTF it is also a good leverage card to get any other card.

+1

 

[RadioactiveTabela]

How you got Sapphiro??

Alumni of their panel institute.

See: https://www.technofino.in/community...etails-and-application-link.13629/post-264733

 

[RadioactiveTabela]

If you are Sapphiro alumni you should be DCB alumni too. You should try for HDFC DCB LTF it is also a good leverage card to get any other card.

While my institute is listed here: https://onedrive.live.com/view.aspx...509&ithint=file,xlsx&authkey=!AKGch61NpXKlt9k , I have not done MBA / Engineering / Medical from that institute.

So I don't think I'm eligible for alumni benefits of HDFC. ICICI didn't limit the degree domain.

 

[TheTrickySid]

While my institute is listed here: https://onedrive.live.com/view.aspx?resid=305683765EF742A6!3509&ithint=file,xlsx&authkey=!AKGch61NpXKlt9k , I have not done MBA / Engineering / Medical from that institute.

So I don't think I'm eligible for alumni benefits of HDFC. ICICI didn't limit the degree domain.

Which institute r u from and what's your domain??

 

[SSV]

Which institute r u from and what's your domain??

Slightly off topic..
I have done my Masters in IT from Griffith University Australia. Do you think I have chance of getting under this alumini program?
If so who is the decision making authority with repsect to this? Contacted RM and CS , they have no clue. I am a WM account holder...

 

[TheTrickySid]

Slightly off topic..
I have done my Masters in IT from Griffith University Australia. Do you think I have chance of getting under this alumini program?
If so who is the decision making authority with repsect to this? Contacted RM and CS , they have no clue. I am a WM account holder...

Don't think so they will entertain and foreign institute as of now.
Even I am WM customer still no luck.

 

[SSV]

Don't think so they will entertain and foreign institute as of now.
Even I am WM customer still no luck.

If we know this campaign incharge then it is worth try..I believe..I am not able to get this incharge's contact details..

 

[RadioactiveTabela]

Which institute r u from and what's your domain??

I'm not too comfortable naming because of doxxing fears, but it is on both HDFC and ICICI list. I did a humanities degree from it.

 

[RadioactiveTabela]

Slightly off topic..
I have done my Masters in IT from Griffith University Australia. Do you think I have chance of getting under this alumini program?
If so who is the decision making authority with repsect to this? Contacted RM and CS , they have no clue. I am a WM account holder...

No, for ICICI you are only eligible if you're institute code is between INST0001 to INST0045. The verification agent will enter this code when filling your application.

inst0001 FMS Delhi
inst0003 IIM Ahmedabad
inst0004 IIM Bangalore
inst0005 IIM Calcutta
inst0006 IIM Indore
inst0007 IIM Kozhikode
inst0008 IIM Lucknow
inst0009 IIM Raipur
inst0010 IIM Ranchi
inst0011 IIM Rohtak
inst0012 IIM Shillong
inst0013 IIM Trichy
inst0014 IIT Delhi
inst0015 IIT Bombay
inst0016 NMIMS Hyderabad
inst0017 JBIMS, Mumbai
inst0018 MDI Gurgaon
inst0019 NITIE Mumbai
inst0020 NMIMS Mumbai
inst0021 SCMHRD Pune
inst0022 SP Jain Mumbai
inst0023 SIBM, Pune
inst0024 XLRI Jamshedpur
inst0025 BITS Pilani
inst0026 DTU, Delhi
inst0027 IIT Guwahati
inst0028 IIT Hyderabad
inst0029 IIT Indore
inst0030 IIT Madras
inst0031 MIT, Manipal
inst0032 MNIT Jaipur
inst0033 NIT Delhi
inst0034 OP Jindal, Sonipat
inst0035 NMIMS Bangalore
inst0036 IIFT Delhi
inst0037 IIFT Kolkata
inst0038 IIT Kanpur
inst0039 IIT Kharagpur
inst0040 ISB Hyderabad
inst0041 ISB Mohali

so on.

You can contact your RM if salary is more than INR 200k/month

 

[TheTrickySid]

No, for ICICI you are only eligible if you're institute code is between INST0001 to INST0045. The verification agent will enter this code when filling your application.

inst0001 FMS Delhi
inst0003 IIM Ahmedabad
inst0004 IIM Bangalore
inst0005 IIM Calcutta
inst0006 IIM Indore
inst0007 IIM Kozhikode
inst0008 IIM Lucknow
inst0009 IIM Raipur
inst0010 IIM Ranchi
inst0011 IIM Rohtak
inst0012 IIM Shillong
inst0013 IIM Trichy
inst0014 IIT Delhi
inst0015 IIT Bombay
inst0016 NMIMS Hyderabad
inst0017 JBIMS, Mumbai
inst0018 MDI Gurgaon
inst0019 NITIE Mumbai
inst0020 NMIMS Mumbai
inst0021 SCMHRD Pune
inst0022 SP Jain Mumbai
inst0023 SIBM, Pune
inst0024 XLRI Jamshedpur
inst0025 BITS Pilani
inst0026 DTU, Delhi
inst0027 IIT Guwahati
inst0028 IIT Hyderabad
inst0029 IIT Indore
inst0030 IIT Madras
inst0031 MIT, Manipal
inst0032 MNIT Jaipur
inst0033 NIT Delhi
inst0034 OP Jindal, Sonipat
inst0035 NMIMS Bangalore
inst0036 IIFT Delhi
inst0037 IIFT Kolkata
inst0038 IIT Kanpur
inst0039 IIT Kharagpur
inst0040 ISB Hyderabad
inst0041 ISB Mohali

so on.

You can contact your RM if salary is more than INR 200k/month

200k/month

So is your salary satisfying this criteria??

 

[RadioactiveTabela]

200k/month

So is your salary satisfying this criteria??

For alumni, there is no salary check. I only uploaded degree certificate. No ITR, wage slip, nothing.

For non-alumni, you can get LTF Sapphiro anyway if salary greater than 200k/month.

 

[deepcards]

do the hit a cibil check fo LTF Alumni saphiro offer, if I already hold APay and coral?

 

[gamersgzb]

On July 04, I received ICICI Sapphiro with 300k limit which is 8x higher than my (20 months old) BoB Select. I've only these 2 active cards right now. Now I want to leverage this to:

1. Get more cards on C2C basis with same / similar limits (purely to drive down utilization and increase credit scores), preferably LTF; and
2. Get a LTF Rupay card.

Current CIBIL Score is 784. In past 6 months, I've 3 inquiries (surprise surprise, I started browsing Technofino mid June):
1. June 16 - IDFC First Bank (Rejected)
2. June 25 - ICICI Bank (Rejected)
3. June 29 - ICICI Bank (Accepted)

Now here's my plan of action:

1. July - Keep pestering ICICI Twitter team once a week to give me LTF Coral Rupay on shared limit. Not sure if they hit CIBIL for this.

Check if ICICI has reported limit to CIBIL by August 01, if reported:


4. August 09 - Apply for a AU Small Finance Bank LTF card on SwipeUp portal: https://cconboarding.aubank.in/auccself/#/landing


Thought? Do the timelines make sense? Any better strategy?

For Au Bank card you should use the swipe up platform using you sapphiro card.. search the forum for the thread... But wait for your credit limit to be 5 lakh before applying via swipe up.. you may receive the Zenith card LTF... Also you can use the same card to apply for idfc cards using sapphiro it will offer idfc wealth...

 

[deepcards]

Has anybody tried Swipe up for Infinia? The AU website mentions people get higher reward points, etc. How does the "swiped up" card look as compare to infinia?

For Au Bank card you should use the swipe up platform using you sapphiro card.. search the forum for the thread... But wait for your credit limit to be 5 lakh before applying via swipe up.. you may receive the Zenith card LTF... Also you can use the same card to apply for idfc cards using sapphiro it will offer idfc wealth...

 

[gamersgzb]

Has anybody tried Swipe up for Infinia? The AU website mentions people get higher reward points, etc. How does the "swiped up" card look as compare to infinia?

With infinia they will offer Zenith as LTF