Suggestions for getting ICICI Amazon Pay approved

[just.dibyansh]

Profile
CIBIL - 772; Experian - 800
Age - 20y

CC Portfolio
1) HDFC 6E Rewards + HDFC UPI RuPay + HDFC Swiggy = Combined Limit of Rs. 25,000
2) Axis Privilege + Axis Neo + Axis MyZone (LTF) = Combined Limit of Rs. 1,34,000
3) Kotak Zen + Kotak Myntra = Combined Limit of Rs. 27,000
4) AMEX SmartEarn = Limit of Rs. 1,62,000

So I'll be turning 21 soon & then I'll be eligible to apply for the ICICI Apay Credit Card. I recently started a savings account relationship with ICICI Bank under their privilege banking program , even though it is a Zero Balance Maintenance Account. Also I'm an Amazon Prime Member for the last 2 years. Can anyone suggest me how to ensure the approval of my Apay application provided I have this background.

 

[helloworld]

You don't need another card at this age, IMO. YOu can use Swiggy card for amzn purchases, smartEarn for bill payments in amzn.

- Improve credit age and limit, that should be high priority, IMO.

You already have 9 accounts in CIBIL and ~7L limit in CIBIL, not sure you income but soon you'll be risky candidate for any new loans/cards from your favorite banks.

-----------

Yet, still want that card - Actually, if you see notification in amzn wait till you turn 21 and apply, easy 2 steps process because of banking relationship nothing else to do. If no notification, might have to request bank for approval.

 

[Vasuki]

You don't need another card at this age, IMO. YOu can use Swiggy card for amzn purchases, smartEarn for bill payments in amzn.

- Improve credit age and limit, that should be high priority, IMO.

You already have 9 accounts in CIBIL and ~7L limit in CIBIL, not sure you income but soon you'll be risky candidate for any new loans/cards from your favorite banks.

-----------

Yet, still want that card - Actually, if you see notification in amzn wait till you turn 21 and apply, easy 2 steps process because of banking relationship nothing else to do. If no notification, might have to request bank for approval.

Amex before 21 ??

 

[Kumar93196]

Profile
CIBIL - 772; Experian - 800
Age - 20y

CC Portfolio
1) HDFC 6E Rewards + HDFC UPI RuPay + HDFC Swiggy = Combined Limit of Rs. 25,000
2) Axis Privilege + Axis Neo + Axis MyZone (LTF) = Combined Limit of Rs. 1,34,000
3) Kotak Zen + Kotak Myntra = Combined Limit of Rs. 27,000
4) AMEX SmartEarn = Limit of Rs. 1,62,000

So I'll be turning 21 soon & then I'll be eligible to apply for the ICICI Apay Credit Card. I recently started a savings account relationship with ICICI Bank under their privilege banking program , even though it is a Zero Balance Maintenance Account. Also I'm an Amazon Prime Member for the last 2 years. Can anyone suggest me how to ensure the approval of my Apay application provided I have this background.

Profession? ? ?

 

[cryoengine]

Profession? ? ?

Credit card enthusiast

 

[just.dibyansh]

Credit card enthusiast

Actually I am a bit crazy in that aspect, not gonna lie.

You don't need another card at this age, IMO. YOu can use Swiggy card for amzn purchases, smartEarn for bill payments in amzn.

- Improve credit age and limit, that should be high priority, IMO.

You already have 9 accounts in CIBIL and ~7L limit in CIBIL, not sure you income but soon you'll be risky candidate for any new loans/cards from your favorite banks.

-----------

Yet, still want that card - Actually, if you see notification in amzn wait till you turn 21 and apply, easy 2 steps process because of banking relationship nothing else to do. If no notification, might have to request bank for approval.

About my income, I have about 6.3 LPA (avg of last 3 Yrs ITR) from my business income.

So what would you recommend me in such a scenario, I mean I only want two more cards to complete my credit card portfolio/collection.

1) ICICI Amazon Pay
2) SBI Cashback

I mean should I give up on these two cards such that I don't become a risky candidate, as you mentioned. And could you explain why would I be a risky candidate ?

Amex before 21 ??

@DocFixIt did you get your apay yet? I read you were going to book an fd for a few months with ICICI & then try for apay. any luck?

 

[Vasuki]

did you get your apay yet? I read you were going to book an fd for a few months with ICICI & then try for apay. any luck?

Will get when 6 month are over after rejection..few month left

 

[James]

Will get when 6 month are over after rejection..few month left

Why did they reject? That icici will not share exact reason even if you say you'll file complaint on RBI ombudsman

 

[varun__goel_]

So I'll be turning 21 soon & then I'll be eligible to apply for the ICICI Apay Credit Card. I recently started a savings account relationship with ICICI Bank under their privilege banking program , even though it is a Zero Balance Maintenance Account. Also I'm an Amazon Prime Member for the last 2 years. Can anyone suggest me how to ensure the approval of my Apay application provided I have this background

Just fill up details as per the existing profile mentioned in account. There's nothing else that can be done

BTW how you got 1.6L limit in Amex? Applied as student?

They just alloted Rs.25000 CL for me🥲

 

[Vasuki]

Why did they reject? That icici will not share exact reason even if you say you'll file complaint on RBI ombudsman

Active cc less than a year old

 

[Vasuki]

25000 CL

25k ... Yeh 25000 likh k kya batana chahte ho sir

 

[dealminer]

BTW how you got 1.6L limit in Amex?

Follow - ing

 

[varun__goel_]

25k ... Yeh 25000 likh k kya batana chahte ho sir

Diff kya hua dono mein?🤣🤣🤣

 

[Vasuki]

Diff kya hua dono mein?🤣🤣🤣

Perception ka
25000 looks like big number

25k is eahhh

 

[varun__goel_]

Perception ka
25000 looks like big number

25k is eahhh

Phir axsh*t ka likh diya to baukhla hi jaoge bhai🤣🤣🤣

 

[Vasuki]

Phir axsh*t ka likh diya to baukhla hi jaoge bhai🤣🤣🤣

15k legendary ? Club or wot

 

[varun__goel_]

15k legendary ? Club or wot

N o o🤭

 

[Vasuki]

N o o🤭

 

[binno]

Profile
CIBIL - 772; Experian - 800
Age - 20y

CC Portfolio
1) HDFC 6E Rewards + HDFC UPI RuPay + HDFC Swiggy = Combined Limit of Rs. 25,000
2) Axis Privilege + Axis Neo + Axis MyZone (LTF) = Combined Limit of Rs. 1,34,000
3) Kotak Zen + Kotak Myntra = Combined Limit of Rs. 27,000
4) AMEX SmartEarn = Limit of Rs. 1,62,000

So I'll be turning 21 soon & then I'll be eligible to apply for the ICICI Apay Credit Card. I recently started a savings account relationship with ICICI Bank under their privilege banking program , even though it is a Zero Balance Maintenance Account. Also I'm an Amazon Prime Member for the last 2 years. Can anyone suggest me how to ensure the approval of my Apay application provided I have this background.

Why isnt your neo ltf 😓

 

[SSV]

So I'll be turning 21 soon & then I'll be eligible to apply for the ICICI Apay Credit Card. I recently started a savings account relationship with ICICI Bank under their privilege banking program , even though it is a Zero Balance Maintenance Account. Also I'm an Amazon Prime Member for the last 2 years. Can anyone suggest me how to ensure the approval of my Apay application provided I have this background.

You actually have a good platform...

1) ICICI SB account and Prime will help you...

Start using your ICICI Debit Card extensively in Amazon ..
buy frequently for small amounts..
Use recharge / billpay / buy gift card/ use APAY UPI, etc using ICICI DC / SB account..
come back here once your trun 21..
we will advise you ...