Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[theXfactor]

Just for my info. Do you need approvals to file the application itself and once it’s initiated into the system, most likely it will go thru OR you need approvals after the application is filed into the system for the approver to approve (more like a workflow).
Asking because some folks are talking about filing the application itself and no so much about it being in-progress.

 

[abhiaj_geek]

Do points on normal spends and points on ishop spends go to the same pool, like infinia?

 

[a.c]

Do you need approvals to file the application itself and once it’s initiated into the system,

For my case the RM took the approval before filing the application itself.
I was told they have been advised to not file the application unless they have the approval

Once it was filled he told me email approvals are there now the same needs to be filled into the system and the card will get generated.

 

[abhiaj_geek]

For my case the RM took the approval before filing the application itself.
I was told they have been advised to not file the application unless they have the approval

Once it was filled he told me email approvals are there now the same needs to be filled into the system and the card will get generated.

Hm I think in my case they filed application after getting Regional Head approval but before State Head approval.

 

[Vickymaster1010]

whats the eligibility criteria for icici plastic emrelad card variant?

 

[Ayushsingh_2001]

whats the eligibility criteria for icici plastic emrelad card variant?

1.5L per month salary credit but useless card and check upgrade card option most likely it will be there

 

[Vickymaster1010]

1.5L per month salary credit but useless card and check upgrade card option most likely it will be there

when i filled the details it did not gv me a option of emeralb credit card i already have amazon pay creidt card with 6 lkh limit is it psble card to card?

 

[Ayushsingh_2001]

when i filled the details it did not gv me a option of emeralb credit card i already have amazon pay creidt card with 6 lkh limit is it psble card to card?

If you fulfill the salary criteria talk to your rm or credit card guy in the nearest branch for card to card

 

[theXfactor]

Hm I think in my case they filed application after getting Regional Head approval but before State Head approval.

I don’t think it’s necessary to get SH approval in all the cases

 

[Ayushsingh_2001]

I don’t think it’s necessary to get SH approval in all the cases

If you don’t fulfill the ppop criteria they have to first take approval to apply for the card and after that it goes through normal approvals in which SH approval is mandatory

 

[theXfactor]

If you don’t fulfill the ppop criteria they have to first take approval to apply for the card and after that it goes through normal approvals in which SH approval is mandatory

How do you know this? Is it called out in any document or someone from the bank like RM informed you of this?

 

[Ayushsingh_2001]

How do you know this? Is it called out in any document or someone from the bank like RM informed you of this?

As per the rm based on the conversation I have last week

 

[Prem03]

Just for my info. Do you need approvals to file the application itself and once it’s initiated into the system, most likely it will go thru OR you need approvals after the application is filed into the system for the approver to approve (more like a workflow).
Asking because some folks are talking about filing the application itself and no so much about it being in-progress.

Yes, approvals are required for filing the EPM application and later on too.

 

[theXfactor]

May be if you don’t meet certain criteria like PPOP, TRV etc. then they might need prior approvals else approvals built as a part of their regular application workflow would do.
On a different note, looking at recent EPM approvals, I feel, Infinia approval is still relatively harder.

 

[abhiaj_geek]

May be if you don’t meet certain criteria like PPOP, TRV etc. then they might need prior approvals else approvals built as a part of their regular application workflow would do.
On a different note, looking at recent EPM approvals, I feel, Infinia approval is still relatively harder.

How? Infinia’s spend based criteria is rather convenient to achieve.

 

[pranjal1984]

How? Infinia’s spend based criteria is rather convenient to achieve.

HDFC is miserly in granting limit enhancements as compared to ICICI.

 

[theXfactor]

How? Infinia’s spend based criteria is rather convenient to achieve.

For new Infinia cards, the criteria is 5L net salary. For upgrades, 9-11L spends in 6 months and credit limit of 8L+. There the best you can do is to write to their Sr. Mgmt and wait for their go ahead... but again it will be a hit or miss even after meeting the criteria. I feel, ICICI is still more considerate. 🙂
But again experience varies person to person.

 

[jonamdhar]

Yes, approvals are required for filing the EPM application and later on too.

What kind of approvals do they look for later on during the application?
My RM said they received the State head approval and then initiated the application. However it has been 4 days, but no progress on the application.

 

[Ayushsingh_2001]

What kind of approvals do they look for later on during the application?
My RM said they received the State head approval and then initiated the application. However it has been 4 days, but no progress on the application.

It just the normal workflow of the card application you will see the card in the app if everything goes right in a week or so because of march ending it is taking time

 

[EverybodyEverybody is verified member.]

when i filled the details it did not gv me a option of emeralb credit card i already have amazon pay creidt card with 6 lkh limit is it psble card to card?

Just call customer care and ask for a upgrade, they will happily upgrade. But it will be PAID card.