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I got an offer for ICICI Sapphiro Credit card with NIL annual and joining fee. Is this legit?
- Thread starter ZappyRed
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- #icicisapphiro
jaimingandhi64
TF Premier
D₹V
TF Prestige
aayusharyan
TF Ace
D₹V
TF Prestige
You hold savings account with icici?
jaimingandhi64
TF Premier
jaimingandhi64
TF Premier
I have 11 year old salary account and AMB of 50k
D₹V
TF Prestige
Hmm, so when you applied it bro?
jaimingandhi64
TF Premier
Can you share more context? What are your prior/ other card CLs? Thats a big CL to offer so wondering how much of a jump they are making and how/ why?
Max limit among other cards was 8 lacs. All others are in between 5-6 lacs. Even I was taken aback. As this card is hardly used except for special ICICI offers, this is of hardly any use. Still I think to apply other premium cards (which allows C2C) it will come in handy.
Which was/ were 8L?
Which were 5-6?
Please do elaborate.
Which was used for ICICI offers? How long? Some more detail/ context please.
Exactly my thoughts. Hence asking more context/ detail to paint a picture.
aayusharyan
TF Ace
From what I have heard from my RM, if your NRV crosses around 20L or your monthly Salary crosses 3L, you will get pre approved offer.
My personal experience, one of my relatives had to receive a payment for their Pvt. Ltd. but for some reasons, he had to take that in his savings account. The amount was around 1Cr, next day, NEXT DAY, his account was upgraded to Privilege and pre approved Sapphiro LTF with CL of 5L. Automatically.
Diners black was 8 lacs.
Many websites specially Those 10% cash back offers with Amazon, Flipkart etc
I got that you werent using it MUCH outside of offers.. thats not what Im asking..
To elaborate and clarify.
Which were your other non DCB cards with the 5-6 lac limits? How long did you have them? Timeline & Cards?
Of these which ICICI ones and which non IC ones? prior to the 20 L Shappiro?
Currently have higher TRV with Axis - True Burgundy, and had to email escalate and beg for 3 weeks to be pushed from 3L to 5L that too with TRV and using my APAY ICICI + Plat 5L to push it for C2C matching.
Pissed.
That 20L jump offer LTF is still whack and hence trying to get context.
aayusharyan
TF Ace
With contacting Customer Care, a lot of it depends on matching with the "right agent". Keep trying my dude.
I got ICICI Sapphiro Credit card as LTF via offline mode in Feb this year. I am a Saving bank customer for 22 years now and had Apay CC and Rubyx ( Master _ Amex) earlier as LTF. They offered Sapphiro LTF and I took it.
Hardly ever I would have used it in last 10 odd months. But keep it for any specific offers that may come on Ecom sites from time to time
Hardly ever I would have used it in last 10 odd months. But keep it for any specific offers that may come on Ecom sites from time to time
BlueFlash
TF Premier
Most of us here take CCs just as out of FOMO
Not about FOMO, but as a back up. There are so many devaluations happening these days, hence to have a premium card ( that too LTF) from another Bank can be yet another option.
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