LTF Sapphiro/Emerald credit card

[sauchadh]

I would like to know what is the criteria for getting LTF Sapphiro/Emerald credit card. I don't have any prior relationship with ICICI bank.

 

[vijay.vj]

I have sapphiro LTF, tried to check if any new offers.
In past, I used to see paid emeralde. And this is what I see now !

 

[aayusharyan]

apply and use this screenshot when things went sideways. skip, you may not get again..

also, which process you followed and got here.. apply new - enter pan - enter details - got these cards?

CIBIL enquiry happened?

Yeah. If I don't get confirmation by today EOD. I will proceed with the application anyway.

The process was like you mentioned, same. No CIBIL Hit. It was showing offer in NB, get a new credit card... Maybe that's why.

 

[aayusharyan]

if this application gets processed it will be a ltf card
for me the emirates emralde application got stuck in between when ltf card was shown and even though i escalated it to ombudsman icici dint give it to me

OMG. Then I shall complete the application.

 

[aayusharyan]

wt*

obviously.... you are damn lucky... until Jan 23, even after having salary acc (20L+ NRV) and 6L MMT Plat CC (5 year old), I was being denied Coral LTF

Had to fight for so long to get Sapphiro ltf

Yeah man, banks work in a weird way. 🤷‍♂️

 

[aayusharyan]

I have sapphiro LTF, tried to check if any new offers.
In past, I used to see paid emeralde. And this is what I see now !

Wait for some time. There will be offers. I have offers for Rubyx LTF as well. But I guess that might be not to special as that's the Rupay variant.

 

[helloworld]

Yeah. If I don't get confirmation by today EOD. I will proceed with the application anyway.

The process was like you mentioned, same. No CIBIL Hit. It was showing offer in NB, get a new credit card... Maybe that's why.

this one?



I think it will trigger CIBIL, if not just be careful for not making unnecessary enquiries.

 

[aayusharyan]

this one?



I think it will trigger CIBIL, if not just be careful for not making unnecessary enquiries.

Yes this one. In my case it didn't trigger any CIBIL Check. I think that happened because I already had a pre approved offer. It was showing in Net banking like this.

 

[bvc19296]

Yes this one. In my case it didn't trigger any CIBIL Check. I think that happened because I already had a pre approved offer. It was showing in Net banking like this.

For pre approved offer No CIBIL hit, but if you are using for even checking the card there will be CIBIL hit.

 

[aayusharyan]

For pre approved offer No CIBIL hit, but if you are using for even checking the card there will be CIBIL hit.

Yes, that seems possible. Be careful everyone.

 

[CVV]

Anyone got Emerald LTF recently. I have Sapphiro LTF & salary account. RM is not helpful for LTF, mentioning need to pay annual fees. talking to BM helps ? or should I drop email to icici regional managers?

 

[CardCraftsman.]

or should I drop email to icici regional managers?

How you got the email id of regional manager? Was it mentioned in branch?

 

[sxchzy]

share the regional manager email id if you get it

 

[vijay.vj]

Anyone got Emerald LTF recently. I have Sapphiro LTF & salary account. RM is not helpful for LTF, mentioning need to pay annual fees. talking to BM helps ? or should I drop email to icici regional managers?

Same as you, holding wealth salary account, sapphire LTF, 1.5C home loan and still got rejected. Let me know if anything helps you get emeralde LTF

 

[anirban.choudhury]

Same as you, holding wealth salary account, sapphire LTF, 1.5C home loan and still got rejected. Let me know if anything helps you get emeralde LTF

You should have negotiated for LTF Emeralde while taking home loan.
Now it would be difficult
Check with HDFC if they can offer LTF Infinia on a BT for your HL

 

[vijay.vj]

You should have negotiated for LTF Emeralde while taking home loan.
Now it would be difficult
Check with HDFC if they can offer LTF Infinia on a BT for your HL

Trying out one last time

 

[TheGuy]

You should have negotiated for LTF Emeralde while taking home loan.
Now it would be difficult
Check with HDFC if they can offer LTF Infinia on a BT for your HL

Acc to you what card can HDFC Upgrade/ Offer if HL of 30L or 70L?

 

[anirban.choudhury]

Trying out one last time

You can try but such mails won't have any effect as Icici is already a established bank, if your BM wanted he could have easily approved your Emeralde LTF against HL.
But since he didn't budge I don't expect this mail to have any effect.

You might get few calls and everyone will say we will look into it but that will be all

 

[anirban.choudhury]

Acc to you what card can HDFC Upgrade/ Offer if HL of 30L or 70L?

It totally depends on your negotiation
If you do a Insurance with them for about 2 lakhs yearly premium , they can bypass all Infinia requirements and get you a paid Infinia

If you invest around 20 lakhs in a tier 2/3 city and have a good RM he can even manage LTF Infinia.
So to conclude anything is possible with HDFC

 

[vijay.vj]

You should have negotiated for LTF Emeralde while taking home loan.
Now it would be difficult
Check with HDFC if they can offer LTF Infinia on a BT for your HL

Due to some bad decisions, Got stuck into a deal and couldn't cancel the purchase plan. I was not really in situation of demanding.

I received loan on valuations of only land price, cuz building is not as per approved legal plan (then owner destroyed and reconstructed without approval)

Now due to same reason, I cant do BT of loan either... cuz most likely bank legal team will deny.

 

[itsds]

You should have negotiated for LTF Emeralde while taking home loan.
Now it would be difficult
Check with HDFC if they can offer LTF Infinia on a BT for your HL

does it really work ? I am planning to take Home Loan from HDFC , should i negotiate it with paid/LTF Infinia before taking loan ? does anyone have same experience and got Infinia approved because of Home Loan ?