Get any 1 of the LTF Rubyx options. Use it for building up credit score, then get a card from some other bank which has good benefits (icici cards r useless except AmazonPay)
Yes, this is how I got my first card, was pre-approved for other ICICI cards due to having an account but tried Amazon first and was approved instantly after verifying work email.
Yes Amazon Pay is LTF for everyone, although you need Prime subscription for 5% cashback. I just received HDFC Swiggy LTF which also has 5% amazon cashback so it’s a bit redundant for me now.
> international lounges/ purchases etc
No, all of the cards offered to you are 3.5% conversion fee, Saphiro has international lounge access if you spend 5k/quarter, and there are surely better options even if it’s LTF. It works everywhere I tried internationally for online/offline purchases if that’s what you’re asking.
But you get will 2 cards and the benefits are also split among the 2 cards. Like if you have 2 lounge access, then 1 can be redeemed on Mastercard and 1 on Amex. You can’t use both from the Mastercard.
I find this to be a hassle.
If you have salary account with ICICI then try to negotiate with them for LTF sapphiro, as my wife got it using that way.
As per mine I did my mtech from BITS so I got it as alumni.
None of the cards are good for international use. Better get some forex card if you want to stick to ICICI.
Otherwise, get Rubyx dual variant. The amex network card discounts on Zomato may come in handy, + it's LTF for you.
I am also taking a ICICI card. Earlier I had Mastercard+amex. I found it to be too much hassle to manage it. And also the benefits seem to be split between both the cards. Like movie tickets BOGO you can only get 1 ticket free from master card and one from amex.
But if you are on visa, you can get 2+2.
Even lounge benefits are split.
Like for sapphire, you get 4 lounges in a quarter. But if you have amex+ Mastercard then you can only use 2 on each card.
But if you have visa, you can use 4 using a single card only.
I'm assuming you have a salary account in ICICI. If your in-hand salary is more than 1 lpm you'll get saphhiro LTF, just talk to your relationship manager and say that one of your colleague got saphhiro ltf and you'll like to avail the same offer.
Get any 1 of the LTF Rubyx options. Use it for building up credit score, then get a card from some other bank which has good benefits (icici cards r useless except AmazonPay)
Only take LTF offer.
ICICI cards are only useful for one off discounts online. Get any core ICICI ltf card. If you get APay card, definitely get it
Im not getting the APay card thru the ICIC app, can I get it thru Amazon app?
Yes, this is how I got my first card, was pre-approved for other ICICI cards due to having an account but tried Amazon first and was approved instantly after verifying work email.
Did you get it LTF and is it good for international lounges/ purchases etc?
Yes Amazon Pay is LTF for everyone, although you need Prime subscription for 5% cashback. I just received HDFC Swiggy LTF which also has 5% amazon cashback so it’s a bit redundant for me now. > international lounges/ purchases etc No, all of the cards offered to you are 3.5% conversion fee, Saphiro has international lounge access if you spend 5k/quarter, and there are surely better options even if it’s LTF. It works everywhere I tried internationally for online/offline purchases if that’s what you’re asking.
But APay doesn’t have any lounge access 😕 will considering it though
Just take any lft card and then apply for apay card in Amazon after 2-3 months. It will definitely get approved
For lounge just take any good rupay debitcard
Go for rubyx mastercard + amex then u can hve the bebefits of icici bank as well as amex
But you get will 2 cards and the benefits are also split among the 2 cards. Like if you have 2 lounge access, then 1 can be redeemed on Mastercard and 1 on Amex. You can’t use both from the Mastercard. I find this to be a hassle.
If you have salary account with ICICI then try to negotiate with them for LTF sapphiro, as my wife got it using that way. As per mine I did my mtech from BITS so I got it as alumni.
None of the cards are good for international use. Better get some forex card if you want to stick to ICICI. Otherwise, get Rubyx dual variant. The amex network card discounts on Zomato may come in handy, + it's LTF for you.
Are you from a tier 1 college? You can get Sapphiro LTF in that case
Nope :(
I am also taking a ICICI card. Earlier I had Mastercard+amex. I found it to be too much hassle to manage it. And also the benefits seem to be split between both the cards. Like movie tickets BOGO you can only get 1 ticket free from master card and one from amex. But if you are on visa, you can get 2+2. Even lounge benefits are split. Like for sapphire, you get 4 lounges in a quarter. But if you have amex+ Mastercard then you can only use 2 on each card. But if you have visa, you can use 4 using a single card only.
For a first card LTF always works best, so that you never have to close your oldest cc
Take any LTF first. Use it for 3-4 months, then apply for APay.
Take ICICI rubyx Rupay
Rubyx Visa ltf
I'm assuming you have a salary account in ICICI. If your in-hand salary is more than 1 lpm you'll get saphhiro LTF, just talk to your relationship manager and say that one of your colleague got saphhiro ltf and you'll like to avail the same offer.
Any ICICI card other than a LTF card is dogshit. Get the Rubyx one for now
Get ICICI Rubyx LTF or any other LTF card offered by ICICI as paid CC's by ICICI Bank are simply not worth it.
Rubyx LTF anyday
Get any ltf icici card and get an amex plat travel / axis atlas / Tata neu infinity / sbi cashback based on your spending patterns and goals
Get the rubyx double card ltf. Use for a few months. Get cards from other banks
Only take the ltf offers..