Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[sidpsidp is verified member.]

Do you mind sharing the contact of BM/RM? Can't DM because of TF's restrictions

Read the next comment. I don't have epm. I am trying to get one. 😂

 

[Dobbiee]

Right. I dont get how hdfc earns any money through infinia at all.
MDR is barely 1.5-2%. The min RR is 3.3%. Average RR will easily go into 8-10% for a typical person.

The bank's earning is at overall level for all CC combined together.
There are large number of cards who hardly get 1%.
There are few who would get above average.
Bank makes money from the lower end cards and passes some portion of it to higher end card.

Reason:
The people who are in top 5% earnings in the country, are the generally ones who control and drive the economy and have influence on rest of the population. So bank would always want to get these people as their customers. Rewards and better products is part of that policy.

 

[salisburry44]

RM saying got approval for EPM. She has not yet done application online.

 

[idharkyadekhraha]

RM saying got approval for EPM. She has not yet done application online.

Do you mind sharing the contact of BM/RM? Can't DM because of TF's restrictions

Do you mind sharing the contact of RM? Can't DM because of TF's restrictions

 

[salisburry44]

Do you mind sharing the contact of RM? Can't DM because of TF's restrictions

Its just oral approval for now. Physical application not yet done. Wealth savings account will be opened first.

 

[R_A_J]

Its just oral approval for now. Physical application not yet done. Wealth savings account will be opened first.

Can you help with your relationship with ICICI basis which they are saying orally. Sorry, if you have already discussed this!

 

[salisburry44]

Can you help with your relationship with ICICI basis which they are saying orally. Sorry, if you have already discussed this!

Mainly because of past and further current accounts with them. Will tell in detail if i get the card.

 

[R_A_J]

Mainly because of past and further current accounts with them. Will tell in detail if i get the card.

Cool, alll the best! 👍

 

[bargainHunter]

Will rent payment get rewards using EPM?

 

[Prem03]

My RM has been able to at least apply for the card. Not sure if this in any way guarantees that it will be approved. They don't even know what the actual eligibility is and whether I meet the criteria.

Just submitted standard documents for any other CC. Very very casual process just like any other credit card. Don't know if I should be happy or sad about this.

View attachment 84794

Same in my case. My application is also lying like this without the approval 🙂

 

[abhiaj_geek]

I think the way this is going, I will sooner get an infinia than an epm.
Epm is just uselessly more difficult to get than infinia, and they have almost similar perks

 

[dhshankar]

Same in my case. My application is also lying like this without the approval 🙂

Was memo raised in your case and fully approved by all heads including State head and product head ?

 

[Prem03]

Was memo raised in your case and fully approved by all heads including State head and product head ?

As far as I know, they took some approval even for filling the application. Now they got some approvals but not all. I don't have more details.

 

[Prem03]

Since my EPM approval is pending, I met the Sales Head today.
He told me the criteria is :-
1) ITR 36 Lakh or above.
2) Existing ICICI CC limit minimum 5 Lakhs
3) PPOP 50k or above.

The third one is most difficult to fulfill if you haven't taken huge loans 🙁

 

[BVCBVC is verified member.]

Since my EPM approval is pending, I met the Sales Head today.
He told me the criteria is :-
1) ITR 36 Lakh or above.
2) Existing ICICI CC limit minimum 5 Lakhs
3) PPOP 50k or above.

The third one is most difficult to fulfill if you haven't taken huge loans 🙁

All three should be there right?

 

[cardio_guycardio_guy is verified member.]

This PDF has lot of details. Will be valuable for all.
It is another thread and discussion on EPM, you can see two threadmarks there, internal + sales brochures are attached there.

Post in thread 'Should we switch from HDFC Infinia Metal to ICICI Emeralde Private Metal ?'

Mar 10, 2025

EPM Internal Brochure + More Details

• cardio_guy

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[Prem03]

All three should be there right?

Yes, all three are required but I said since they didn't tell me about PPOP when I asked for eligibility, I can't do anything about it. I told him that I have provided whatever they have asked for before applying the card and now it's their responsibility to get it approved.

He said, he will discuss my case again. Until my application gets rejected, I will keep pushing him

 

[Bodhi]

Yes, all three are required but I said since they didn't tell me about PPOP when I asked for eligibility, I can't do anything about it. I told him that I have provided whatever they have asked for before applying the card and now it's their responsibility to get it approved.

He said, he will discuss my case again. Until my application gets rejected, I will keep pushing him

All the best @Prem03

 

[techstrom007]

iShop capped Amazon & Flipkart vouchers to 12k / month.

Abhe to portal officially launch bhi nahi hua devaluation aane lage

 

[dhshankar]

As far as I know, they took some approval even for filling the application. Now they got some approvals but not all. I don't have more details.

If the memo is approved with approvals ( like SH and PH), then credit application will be approved with ease.