ICICI Rubyx upgrade

[maynigam]

Hello Guys

I’m using a Rubyx card since 3 years now. Totally forgot that it was a paid card and I must have been paying the fees every year.
Now that I’m building my CC portfolio, i would like to either get a good paid card or get a LTF card just for card offers.

please suggest the best possible option and how to apply

1. Is it possible to get the Emerald Reserve paid card? If yes, then how to apply?
2. Can I get a Sapphiro LTF? How to negotiate with them?
3. Can I get a Rubyx LTF? This would be my second option
4. Last option is Coral Rupay LTF which is being offered right now on the app

My relationship with bank- CC for 3 years, Personal loan since 2 yrs.
ITR 18 lakh
Cibil 808

 

[maynigam]

Connect with Relationship manager"

I guess I don’t have a relationship manager! Have emailed them.

 

[dopodo]

AFAIK, Rubyx LTF is possible if monthly salary above 1lk.

 

[WandereR]

AFAIK, Rubyx LTF is possible if monthly salary above 1lk.

Doubt that they follow it. Have got it below that as well.

 

[panthr]

I spoke with ICICI CC, if you hold a Salary Account they can offer Rubyx LTF if you get 1-2L per month salary after tax.
If more than 2L per month after tax, then you get Sapphiro LTF

 

[cardy]

U can easily have multiple icici ltf card..

Help in sale too(if you buy multiple items)

You convinced him apply coral rupay successfully