ICICI bank pre approved credit card possibilities & time frame

[SarthakModak]

Can anyone tell me how long it takes from the date of account opening to get ICICI Bank pre approved credit card if someone do good amount of transactions and most likely which card they will offer?

 

[souvikdey2002]

Can anyone tell me how long it takes from the date of account opening to get ICICI Bank pre approved credit card if someone do good amount of transactions and most likely which card they will offer?

Depends on how many transaction you do in a month also how much balance do you maintain & how old your account is.

 

[SarthakModak]

Depends on how many transaction you do in a month also how much balance do you maintain & how old your account is.

Do you own any ICICI Bnak cc? If yes,how long it took to get a pre approved offer? Actually my account is ~9.5 months old and I maintain around 2L still I didn't get any offer

 

[souvikdey2002]

Do you own any ICICI Bnak cc? If yes,how long it took to get a pre approved offer? Actually my account is ~9.5 months old and I maintain around 2L still I didn't get any offer

I have 3 ICICI Cards but I got them with cost since they were not given against the account.
Also as I said, maintaining balance will not help, you also need to transact.
9.5 month is not at all enough, wait for 1-1.5 years at least.

 

[Akashgod]

Can anyone tell me how long it takes from the date of account opening to get ICICI Bank pre approved credit card if someone do good amount of transactions and most likely which card they will offer?

1st thing u have to do is check cibil score in icici.
2nd is use account normally, don't transact heavily like a current account.
In icici 700 plus cibil is enough to get cc , secured loans , consumer loans etc. For personal loan 760 plus atleast. R u salaried or self empl while opening account??
I got personal loan in 3 months , and cc in 5 months

 

[Akashgod]

Cibil option all users r getting it 🤔
3 cards were offered, I took rubyx fyf, limit 1.6, anyways most of icici cards r 3rd class!

 

[Akashgod]

View attachment 432
My mom's Cibil option shows in this page, but on on my app. I think people with ICICI CCs/car loans or something, only for them this option shows.

For me, it doesn't show. I believe it showed on my mom's app too, only recently, probably wasn't there earlier.

Strange! U use iPhone maybe depends on app version or platform. In android all good

 

[hriday.haria]

Cibil option all users r getting it 🤔
3 cards were offered, I took rubyx fyf, limit 1.6, anyways most of icici cards r 3rd class!

Except Amazon ICICI Pay ... Rest all 3rd class

 

[SarthakModak]

1st thing u have to do is check cibil score in icici.
2nd is use account normally, don't transact heavily like a current account.
In icici 700 plus cibil is enough to get cc , secured loans , consumer loans etc. For personal loan 760 plus atleast. R u salaried or self empl while opening account??
I got personal loan in 3 months , and cc in 5 months

My father has ICICI Bank account opened as self employed and yeah I did check CIBIL in ICICI Bank's app

 

[SarthakModak]

Except Amazon ICICI Pay ... Rest all 3rd class

That's for sure even their one of the most premium cc Sapphiro sucks when it comes to reward

 

[Batmanbaba]

View attachment 432
My mom's Cibil option shows in this page, but not on my app. I think people with ICICI CCs/car loans or something, only for them this option shows.

For me, it doesn't show. I believe it showed on my mom's app too, only recently, probably wasn't there earlier.

I have cibil option... But asking for 440Rs to get Cibil report.. Its not free.....

 

[Batmanbaba]

Same for my mom's account
I now have paid Cibil subscription though

I think it's free for privlge banking and above variants....... Which variant is of your mom..??

 

[Batmanbaba]

Normal
I have silver

Your, s is free...?? Privlge banking starts from gold variant.. One variant above you...

 

[Batmanbaba]

Exactly..... Like you could still have 25k in Mine acc (with zero balance req) So like no need to worry about the balance...😅

Mine has lot of restrictions.. If you do... Good transactions in that... You will get calls for account closure...

 

[alanabraham]

Mine has lot of restrictions.. If you do... Good transactions in that... You will get calls for account closure...

Can explain this in detail? What's the limit then they kept for Mine account?

 

[Batmanbaba]

Can explain this in detail? What's the limit then they kept for Mine account?


If you do one or two heavy transactions in month like of 20000, 30000...and get deposit of similar amount... You will receive calls from the branch..... One of my friend account got closed.... After he refused to convert mine into regular or current account.... He used the account for two months like this.....

Its a

 

[alanabraham]

But there is no such rules or terms mentioned anywhere in the website. And I am doing similar transactions. No problem yet. Though I am cautious now onwards..

 

[Batmanbaba]

But there is no such rules or terms mentioned anywhere in the website. And I am doing similar transactions. No problem yet. Though I am cautious now onwards..

Tyere are lot of things which will never be mentioned in t&c if banks... Its called... Internal policies..... Which no one knows....

 

[Amitt Aryan]

1st thing u have to do is check cibil score in icici.
2nd is use account normally, don't transact heavily like a current account.
In icici 700 plus cibil is enough to get cc , secured loans , consumer loans etc. For personal loan 760 plus atleast. R u salaried or self empl while opening account??
I got personal loan in 3 months , and cc in 5 months

It will cost 550 approx to check cibil.
I also thought the same trick to allow bank see my cibil score and give offers.
But when I saw the charges, I thought thats the early charge for any credit card I can get normally using documents.
Thats why did not tried that method.