Amazon Pay ICICI Bank Credit Card

[varkey]

The most surprising credit card application for me was OneCard (The metal card), all they did was an OTP verification and I was issued a virtual card with 3L+ limit. No documentation, no KYC, nothing. :O

The only thing I can think of is that I have a salary account with IDFC bank that issues the card. However even for my wife, the card was issued immediately (no existing relationship with IDFC bank), but with a much lower limit.

 

[Jonas]

I already have a Citi credit card which is more than 5 years old and it has a pretty solid credit limit, so maybe they didn't want to give me a new one. But I'm just worried about any new application hitting my Cibil otherwise I'd really get this ICICI Amazon card. Quite useful.

 

[LordSpymaster]

Maybe they might think that you won't end up using your new card since the Citi one already has a generous credit limit?

 

[Jonas]

I am simply interested in exclusive offers on different cards. And @kkapoorr that's true. Because the existing one has a limit above 5 lacs. But the reason they gave me for thr rejection was high unsecured credit limit.

My friend has an SBI Elite card, he gets 2 free movie tickets a month. I've an SBI FBB, so I get fixed discount on big bazaar plus a gift voucher every year. It's all about the offers for us.

 

[socrates]

cute.

They ask company details even when they issue by invitation. The best part is they even want your company email Id, even many ICICI bank employees don't have company email id. When they say pre Approved credit card for existing customers (because of balance in account) why ask questions. I told them I already have a v good hdfc Bank credit card with a much higher limit so they can stuff their cc.
Incidentally my hdfcbank cc was by 'invitation only' at that point in time & they required only signatures & photos that's all.

 

[Sushubh]

I can only hope Amazon expands their partnership with other banks. Icici is too irritating.

 

[GR2]

@Sushubh So hdfc is better than icici?.

 

[Sushubh]

I haven't had a job in nearly 18 years. These big banks hate having people like us as customers unless we have a business entity.

 

[socrates]

@Sushubh So hdfc is better than icici?.

Not really but their cc division seems ok so far

 

[Jonas]

@Sushubh You can put my proprietorship's name or a different companies name over there.

@socrates I've an HDFC CC, and they're lazy as a sloth. In case of a fraud charge, they won't void the transaction until the amount is settled and then make you go through a lot of paperwork and hassle. Citi > HDFC. Citibank called me and gave me a free CC replacement when they suspected that my details were a part of a database leak. And after a month, all my friends HDFC credit cards got hit by fraud charges.