ICICI Sapphiro Dual Card (Mastercard & Amex)

[yashtag]

I got a ICICI Sapphiro Credit Card on November 2022 and it was on the Mastercard network.

After reading a few posts on our forum about the dual card for Sapphiro, I reached out to Customer Service through their website contact form for Level 1 complaints requesting for the same. Initially there was no reply other than silence for almost a week.

Escalated it to Level 2 and got a reply the next day saying the request will be addressed by concerned team within 3 working days. Yesterday, I received an email saying that I am being upgraded to the dual card variant and saw the two cards listed on iMobilePay and Net Banking. It was shipped through Bluedart and expecting it to be delivered tomorrow.

If anyone is looking to switch from Visa to Mastercard or to get the dual card, give this a try. Reach out to their Customer Service team through email since phone is literally useless.

 

[sharma]

i got reply as well over email now like this.
will they really close my existing saphhiro with VISA Variant?

Even I have received same email.
I didn't proceed further.

 

[jack333]

i got reply as well over email now like this.
will they really close my existing saphhiro with VISA Variant?

They won't close. Guys go ahead. Darr ke age jeet hai 🤣

 

[captaintorchtm]

They won't close. Guys go ahead. Darr ke age jeet hai 🤣

yeah, they said the same on the call but all 3 are working great for me.

 

[jaimingandhi64]

yeah, they said the same on the call but all 3 are working great for me.

now i got reply that they have started my process further. any idea how much time it takes? really one week?

 

[pprakash11]

now i got reply that they have started my process further. any idea how much time it takes? really one week?

Yeah it takes 1 week
On last day you will be spammed

 

[NOOBY]

Not sure why People tend to go for Sapphiro Dual.... it isn't any better than Visa

Better go with Sapphiro VISA + Rubyx Dual combo ( this is what I am planning to get, have Sapphiro Dual as of now)

Use Rubyx Amex for all card transactions (if you want their useless reward points), if that fails use Sapphiro Visa

Amex is not eligible for any Merchant EMI discounts either (have tried personally), so that's another bad thing.

And with Rubyx Dual, you will get 4 railway lounge access per quarter too (2 per card)

So, the combo is win win for all scenarios

 

[pprakash11]

Not sure why People tend to go for Sapphiro Dual.... it isn't any better than Visa

Better go with Sapphiro VISA + Rubyx Dual combo ( this is what I am planning to get, have Sapphiro Dual as of now)

Use Rubyx Amex for all card transactions (if you want their useless reward points), if that fails use Sapphiro Visa

Amex is not eligible for any Merchant EMI discounts either (have tried personally), so that's another bad thing.

And with Rubyx Dual, you will get 4 railway lounge access per quarter too (2 per card)

So, the combo is win win for all scenarios

How you planning to get Rubyx Dual ?

Watching

 

[NOOBY]

How you planning to get Rubyx Dual ?

Watching

Sal is 1L+, so that should be easy for me (I guess)

Sapphiro was quite tough... had to break my BM's head for more than 2 months (and showed NRV of 25L for some time)

So Acc got upgraded to Wealth Management (full) and got Sapphiro LTF too

 

[pprakash11]

Sal is 1L+, so that should be easy for me (I guess)

Sapphiro was quite tough... had to break my BM's head for more than 2 months (and showed NRV of 25L for some time)

So Acc got upgraded to Wealth Management (full) and got Sapphiro LTF too

That's a cakewalk for me as well. But I don't want an extra cibil hit.

You planning to apply via website?

 

[NOOBY]

That's a cakewalk for me as well. But I don't want an extra cibil hit.

You planning to apply via website?

You are applying for a new card, cibil hit is going to be there anyway

I haven't decided yet regarding how to apply for it.

 

[pprakash11]

You are applying for a new card, cibil hit is going to be there anyway

I haven't decided yet regarding how to apply for it.

Nope. I am not gonna apply, unnecessary cibil hit.

Let me know when you proceed.

 

[NOOBY]

Nope. I am not gonna apply, unnecessary cibil hit.

Let me know when you proceed.

you are saying "unnecessary cibil hit" as if it is going to increase your tax slab to 50% and is going to double your loan interest

Cibil hit does not affect much... ICICI creates a single entry for all core cards and so, there won't be a new Credit Card entry either.

Rest is upto you

 

[pprakash11]

you are saying "unnecessary cibil hit" as if it is going to increase your tax slab to 50% and is going to double your loan interest

Cibil hit does not affect much... ICICI creates a single entry for all core cards and so, there won't be a new Credit Card entry either.

Rest is upto you

Everyone has some picky points to cry 🤣

For me it's CIBIL hit!

Although it doesn't matters much as you told, but it hurts 🤣

 

[NOOBY]

Everyone has some picky points to cry 🤣

For me it's CIBIL hit!

Although it doesn't matters much as you told, but it hurts 🤣

Even I try to keep it minimal

till now, it was once in 2/3 months (this month, HDFC for Neu Infinity card)
This would reduce the score, much more than ICICI as HDFC will hit twice and will also create a new Credit Card entry (this is what actually hits your score for longer period)

Whereas, Rubyx application would hit only once and no new Credit card entry and so, maybe I would try for Rubyx next month (or in November)

 

[pprakash11]

Even I try to keep it minimal

till now, it was once in 2/3 months (this month, HDFC for Neu Infinity card)
This would reduce the score, much more than ICICI as HDFC will hit twice and will also create a new Credit Card entry (this is what actually hits your score for longer period)

Whereas, Rubyx application would hit only once and no new Credit card entry and so, maybe I would try for Rubyx next month (or in November)

I am a sufferer from HDFC 6 CIBIL Hits. I can understand 😊

 

[sharma]

yeah, they said the same on the call but all 3 are working great for me.

After seeing these comments I'm very positive to change my variant.
But at the same time 1-2 cases of negative scenarios are stopping me to request.

Let's see how it goes since one person has started his conversion today

 

[NOOBY]

After seeing these comments I'm very positive to change my variant.
But at the same time 1-2 cases of negative scenarios are stopping me to request.

Let's see how it goes since one person has started his conversion today

The thing is, if your discussion is on mail, they will wait for you to reply and once you confirm, there is no going back as they have written proof


On call, you can manipulate easily which is why it worked for some

 

[asen]

Do we get lounge access on the Sapphire Amex add-on card?

 

[pprakash11]

Do we get lounge access on the Sapphire Amex add-on card?

I guess its shared, not sure though.

 

[BlueFlash]

They won't close. Guys go ahead. Darr ke age jeet hai 🤣

They closed my Visa variant, after issuing the MC+Amex variant for Sapphiro
As per their policies, it's not allowed to hold all 3 variants, since it messes up with their reward system; Although I doubt this... Anyways, while initiating the dual variant, they had clearly mentioned that the visa one will get closed in both mail as well as over call; and they kept re-iterating the same during the process and finally on receiving it, they proceeded to close it as per their commitment. I thought avoiding the call will work, but it didn't. I guess too many people might have used this loophole, to make them aware of it and now they are tracking down and closing the older variant

Just thought of sharing it to folks so that people do note while asking for variant change.