Amazon Pay ICICI Bank Credit Card

I suppose that people who already have an ICICI credit card/ good amount of money lying in ICICI won't need any income docs. They had rejected me last September and processed my application this time.

Maybe this is because I spend hugely on Amazon. I use my account to buy goods for 2-3 families each month, including on Amazon pantry.
 
first time my application was rejected even after submitting all the necessary proofs. after few months got a pre-approved icici lifetime free rubyx card without submitting any docs. after 6 months Amazon icici card was instantly approved based on rubyx card limit
 
their internal policy is very vague and weird. Someone shared on another forum they got it with occupation as "house wife". This causes unnecessary time waste and hard inquiries for everyone.

But this is how icici policy is regarding credit cards (all variant).

If Amazon would have partnered with hdfc, they would have issued this card to 10x users. HDFC anyway have 5% offer with smartbuy so this partnership would be perfect for them.

With ICICI its try your luck.
 
My application went through the first time. Though I had an account with ICICI bank with good amounts in FD. They did not ask any income proof.

But the limit I got is of 50k (way less than my hdfc card). Any way to submit a request for credit limit increase?
 
@a.c Email customer.care@icicibank.com for limit increase request.
I requested for limit increase yesterday and got the following reply
We strive to serve our esteemed customers with the best of our capacity. While we understand your anxiety related to the processing of your request, we regret our inability to enhance the limit on your Card account as it does not meet our internal policy criteria.
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I received(2019) the ICICI CC with 30k and till now stuck with it.
My HDFC CC received on the same period got increased from 40k to 2.8L in just 2 years
 
Samuel said:
It's fine if they are rejecting credit worthy people's application. Totally acceptable I would say.

The problem that I see is, not asking for any income proof or any other document from people who are 20 years of age. May be they have their reasons to do that, but it's a little absurd. Don't you think? Just check out YouTube, and any random guy with no Cibil score and income proof has been given a credit card. What might be the rationale behind that?
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how it is possible tell me??
 

raj2007 said:
I received(2019) the ICICI CC with 30k
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I can't comment on whats the criteria is but i got my icici card with 50k as limit, in time span of 3 yrs they have increased it to lacs. But it happened with time gradually 50k to 65k and than 80k and than more. And same goes with hdfc it started with 80 or 90k credit limit which is increased to few lacs now.
 
Sushubh said:
credit card bill payments are also not instant. takes around 2 days to appear in the system.
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May be u know this already. Use neft, imps for instant payment, i was using bank portals for my card payments earlier but payment update was always two days later. Now i have added all my credit cards to my bank account and do neft/imps for credit card payment and payment gets updated immediately.
 
@Sushubh yes it takes time for icici, i have seen same with hdfc and citi credit cards. Banks own portal takes time to update the payment. I forgot to do the payment once as they used to send sms close to few days before the last date and that month the sms didn't come. I called contact centre as i needed limit immediately for another payment and they asked me to do the upi for instant update but i am not a upi user, so instead asked my sis to do the payment. Since than i have added all my cards to bank account for such things.
 
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nm. just tested upi payment and it appeared instantly on icici.

ccpay.CREDITCARDNUMBER@icici

would probably switch this from now.

82L6i3Z.webp


this is very nice tbh.
 
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itzmynet said:
first time my application was rejected even after submitting all the necessary proofs. after few months got a pre-approved icici lifetime free rubyx card without submitting any docs. after 6 months Amazon icici card was instantly approved based on rubyx card limit
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Did you have to wait 6 months from the time of your earlier ICICI application or 6 months from the time the Rubyx card was issued?

Sushubh said:
I suggest applying again after a few weeks.
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They don’t allow you to apply for at least 6 months after rejection.

Smh said:
why icici process is like this? I applied once with mine & my father's account both were rejected instantly without any application number. My father even had a icici fd based 9+ yr old card. I thought may be because of covid but many people were posting they got it instantly even without any income proof. Credit score is good, no late payment ever.

I was thinking to apply again but stopped after step 1, hope they didn't made any cibil inquiry. I didn't got any change in report email from cibil, I can refresh it after few days on 17. From what I have read ICICI & SBI has this weird process of verifying and collecting kyc multiple times then go AWOL.

Amazon has so much data and with cibil score atleast a low limit card can be issued. If they don't want to use amazon's data then they are ignoring a huge amount of people which is pretty evident from general reviews, a lot of credit worthy people are not able to get this card.
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Absolutely agree with you. For people with good Amazon purchase history, like say above a few lakhs per year, and a decent credit score, they should at least issue a card with a limit of even 10k and then enhance it every 3 to 6 months.
 
I received a call today from ICICI. "You haven't completed the KYC. Upload last year's ITR." I told them I'd do it once I file ITR this year.
 

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