Upgrade to Rubyx/Sapphiro LTF

[Shrinit Padwal]

I have a Coral LTF with a 5.5L limit, what would be the criteria for getting it upgraded to Rubyx/Sapphiro LTF? Depends on spending annually or on ITR/salary slips? Currently don't have an account with ICICI, just Coral and APay cards.

 

[NOOBY]

if you are salaried and your company is in their LTF list, then you can apply with your last 3 month payslips...

1L+ every month will give you Rubyx LTF while 3L+ should give you Sapphiro as LTF

 

[anish1516]

I have a Coral LTF with a 5.5L limit, what would be the criteria for getting it upgraded to Rubyx/Sapphiro LTF? Depends on spending annually or on ITR/salary slips? Currently don't have an account with ICICI, just Coral and APay cards.

Net 1L salary - Rubyx
2L - Sapphiro
3L - Emerald

Just visit any branch and apply through the agent you would get the cards.

 

[anish1516]

I have a Coral LTF with a 5.5L limit, what would be the criteria for getting it upgraded to Rubyx/Sapphiro LTF? Depends on spending annually or on ITR/salary slips? Currently don't have an account with ICICI, just Coral and APay cards.

But why would you get another ICICI CC. These are the most worthless cards these days. Look out for some other better ones.

 

[BVCBVC is verified member.]

But why would you get another ICICI CC. These are the most worthless cards these days. Look out for some other better ones.

Absolutely accepted. ICICI cards are the worst in the industry right now. Amazon Pay CC is far best in the returns compared to other ones.

 

[Shrinit Padwal]

Absolutely accepted. ICICI cards are the worst in the industry right now. Amazon Pay CC is far best in the returns compared to other ones.

But why would you get another ICICI CC. These are the most worthless cards these days. Look out for some other better ones.

Just keeping one ICICI card for offers, like one time in my past Croma was offering 3k discount on ICICI cards, but not on co-branded cards like Apay. I had APay card at that time, used that, but still didn't get a discount - as the discount was on core ICICI cards

 

[mashreq]

Just keeping one ICICI card for offers, like one time in my past Croma was offering 3k discount on ICICI cards, but not on co-branded cards like Apay. I had APay card at that time, used that, but still didn't get a discount - as the discount was on core ICICI cards

Considering you already have a Coral LTF and the only main reason you would want it is for its discount offers would going through any effort to get Rubyx/Sapphiro/Emerald give any additional benefit?

 

[Shrinit Padwal]

Considering you already have a Coral LTF and the only main reason you would want it is for its discount offers would going through any effort to get Rubyx/Sapphiro/Emerald give any additional benefit?

I agree, not worth the effort, just wanted to know the eligibility for LTF.

 

[Deleted member 5552]

Absolutely accepted. ICICI cards are the worst in the industry right now. Amazon Pay CC is far best in the returns compared to other ones.

Right now??? Was it better before? I started using ICICI card from 2016. It was good only for 10% discount. I found all ICICI cards are useless

So I closed all ICICI cards

 

[BVCBVC is verified member.]

Right now??? Was it better before? I started using ICICI card from 2016. It was good only for 10% discount. I found all ICICI cards are useless

So I closed all ICICI cards

Mean to say in the age credit cards where all banks are pumping in offers and benefits.

 

[mannu_in]

You helped me today to recover old memories of redeeming payback points.

"Those days will never come again"

I still remember redeeming around Rs. 200 from payback and ICICI charged about Rs. 30 for the same. ICICI said its payback who charged and Payback said its ICICI Bank. Big bank, clueless processes...

 

[Wealth is my birth right!]

I agree, not worth the effort, just wanted to know the eligibility for LTF.

My coral is ltf
I got Pre approved since I used account for lot of transactions
It’s not my salary account
So ltf criteria not common

 

[Deleted member 5552]

I still remember redeeming around Rs. 200 from payback and ICICI charged about Rs. 30 for the same. ICICI said its payback who charged and Payback said its ICICI Bank. Big bank, clueless processes...

I think ICICI Bank deducts charges
🤔

 

[Survivor35]

No Denial Brother.I lost so many points and they kept deducting money after redemption and few times even for payback plus renewal too.Chased customer via calls & emails but amount wasnt credited back. inspite of maintaining salary account with them for over 15+years(previously Privilege & now Wealth Management) .I havent seen a WOW experience my credit limit is least and chargable incase i dont meet spending criteria. After reading all of your experiences & journey to reach super premium and getting maximum rewards for spending through credit card & also via paying the bills It kinda motivated me too.
I still remember redeeming around Rs. 200 from payback and ICICI charged about Rs. 30 for the same. ICICI said its payback who charged and Payback said its ICICI Bank. Big bank, clueless processes...

So heres my to do list.

1)Upgrade both of my Coral cards(icici) & citi premiermiles&Rewards card.
2)Checking for LE (i havent seen LE in any of cards since 2017)
3)I make credit card payments of 6lakhs per month as far what i have noticed here looks like i might have to open HDFC Account to get their platinum card to get 750rs every month by paying via hdfc biller.
(I hold icici & citibank account so do advise if i would need to open further accounts to avail decent cashback. I have cred & cheq account in which cred has 21lakh coins(earned by making payments everymonth).

Hoping to see your inputs& insights

 

[Kartik155555]

No Denial Brother.I lost so many points and they kept deducting money after redemption and few times even for payback plus renewal too.Chased customer via calls & emails but amount wasnt credited back. inspite of maintaining salary account with them for over 15+years(previously Privilege & now Wealth Management) .I havent seen a WOW experience my credit limit is least and chargable incase i dont meet spending criteria. After reading all of your experiences & journey to reach super premium and getting maximum rewards for spending through credit card & also via paying the bills It kinda motivated me too.
I still remember redeeming around Rs. 200 from payback and ICICI charged about Rs. 30 for the same. ICICI said its payback who charged and Payback said its ICICI Bank. Big bank, clueless processes...

So heres my to do list.

1)Upgrade both of my Coral cards(icici) & citi premiermiles&Rewards card.
2)Checking for LE (i havent seen LE in any of cards since 2017)
3)I make credit card payments of 6lakhs per month as far what i have noticed here looks like i might have to open HDFC Account to get their platinum card to get 750rs every month by paying via hdfc biller.
(I hold icici & citibank account so do advise if i would need to open further accounts to avail decent cashback. I have cred & cheq account in which cred has 21lakh coins(earned by making payments everymonth).

Hoping to see your inputs& insights

Whats the limit on ICICI cards?

 

[Survivor35]

Whats the limit on ICICI cards?

hpcl coral 78000 & coral 177000 which is shared with apay card

 

[shrewdoc]

No Denial Brother.I lost so many points and they kept deducting money after redemption and few times even for payback plus renewal too.Chased customer via calls & emails but amount wasnt credited back. inspite of maintaining salary account with them for over 15+years(previously Privilege & now Wealth Management) .I havent seen a WOW experience my credit limit is least and chargable incase i dont meet spending criteria. After reading all of your experiences & journey to reach super premium and getting maximum rewards for spending through credit card & also via paying the bills It kinda motivated me too.
I still remember redeeming around Rs. 200 from payback and ICICI charged about Rs. 30 for the same. ICICI said its payback who charged and Payback said its ICICI Bank. Big bank, clueless processes...

So heres my to do list.

1)Upgrade both of my Coral cards(icici) & citi premiermiles&Rewards card.
2)Checking for LE (i havent seen LE in any of cards since 2017)
3)I make credit card payments of 6lakhs per month as far what i have noticed here looks like i might have to open HDFC Account to get their platinum card to get 750rs every month by paying via hdfc biller.
(I hold icici & citibank account so do advise if i would need to open further accounts to avail decent cashback. I have cred & cheq account in which cred has 21lakh coins(earned by making payments everymonth).

Hoping to see your inputs& insights

Open HDFC Classic Account if you can and make it your primary account for paying CC Bills via BillPay portal. Also, keeping one gemstone card and one Apay Card is more than enough for ICICI's offers. If your current NRV (Wealth Management) with ICICI is good, ask for Sapphiro LTF instead and close other coral cards.

Also, after some months, HDFC will give you pre-approved offers and you can take advantage of that as well.

Also, I would recommend to get rid of Cred and Cheq. It would be better to use HDFC BillPay as that'll relay funds through HDFC and may land you a better pre-approved offer later.

 

[Survivor35]

Open HDFC Classic Account if you can and make it your primary account for paying CC Bills via BillPay portal. Also, keeping one gemstone card and one Apay Card is more than enough for ICICI's offers. If your current NRV (Wealth Management) with ICICI is good, ask for Sapphiro LTF instead and close other coral cards. Also, after some months, HDFC will give you pre-approved offers and you can take advantage of that as well. Also, I would recommend to get rid of Cred and Cheq. It would be better to use HDFC BillPay as that'll relay funds through HDFC and may land you a better pre-approved offer later.

Open HDFC Classic Account if you can and make it your primary account for paying CC Bills via BillPay portal. Also, keeping one gemstone card and one Apay Card is more than enough for ICICI's offers. If your current NRV (Wealth Management) with ICICI is good, ask for Sapphiro LTF instead and close other coral cards. Also, after some months, HDFC will give you pre-approved offers and you can take advantage of that as well. Also, I would recommend to get rid of Cred and Cheq. It would be better to use HDFC BillPay as that'll relay funds through HDFC and may land you a better pre-approved offer later.

Open HDFC Classic Account if you can and make it your primary account for paying CC Bills via BillPay portal. Also, keeping one gemstone card and one Apay Card is more than enough for ICICI's offers. If your current NRV (Wealth Management) with ICICI is good, ask for Sapphiro LTF instead and close other coral cards. Also, after some months, HDFC will give you pre-approved offers and you can take advantage of that as well. Also, I would recommend to get rid of Cred and Cheq. It would be better to use HDFC BillPay as that'll relay funds through HDFC and may land you a better pre-approved offer later.

Open HDFC Classic Account if you can and make it your primary account for paying CC Bills via BillPay portal. Also, keeping one gemstone card and one Apay Card is more than enough for ICICI's offers. If your current NRV (Wealth Management) with ICICI is good, ask for Sapphiro LTF instead and close other coral cards.

Also, after some months, HDFC will give you pre-approved offers and you can take advantage of that as well.

Also, I would recommend to get rid of Cred and Cheq. It would be better to use HDFC BillPay as that'll relay funds through HDFC and may land you a better pre-approved offer later.

I have opened Hdfc account(currently 25mab) which I will have that changed to salary account in 10 days. Will be that account for ccbill payment.

I have opened indusind select account will have to map it with legend cc so that it becomes 0 MAB account.

I will be using both accounts for ccbill bills will park funds in these accounts for premium service.

(I'm really disappointed with how icici treats customer who was with them for 16 years).

I have hpcl Coral (platinum)
apay
coral card

so are you telling me to check if I can get these cancelled and opt for sapphiro (they are asking to pay for Rupay and unable to offer coral Ltf or rubyx FYI. So expecting sapphiro Ltf is impossible),


I haven't taken twitter route till Nle . I'm open for suggestions

 

[shrewdoc]

I have opened Hdfc account(currently 25mab) which I will have that changed to salary account in 10 days. Will be that account for ccbill payment.

I have opened indusind select account will have to map it with legend cc so that it becomes 0 MAB account.

I will be using both accounts for ccbill bills will park funds in these accounts for premium service.

(I'm really disappointed with how icici treats customer who was with them for 16 years).

I have hpcl Coral (platinum)
apay
coral card

so are you telling me to check if I can get these cancelled and opt for sapphiro (they are asking to pay for Rupay and unable to offer coral Ltf or rubyx FYI. So expecting sapphiro Ltf is impossible),


I haven't taken twitter route till Nle . I'm open for suggestions

If you have good enough TRV with ICICI, write an email to Level 2 directly, asking for LTF Sapphiro CC. Level 1 support don't have idea about these and they'll probably reject your request.

 

[Survivor35]

If you have good enough TRV with ICICI, write an email to Level 2 directly, asking for LTF Sapphiro CC. Level 1 support don't have idea about these and they'll probably reject your request.

My TRV is 50L. Confirm the email id to send the request.