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Yes, your account has been upgraded to Wealth Management. However, getting the ICICI Emeralde Metal Edition Card is not guaranteed. You may have to wait for 2-3 years before becoming eligible for it. The choice is yours whether to wait or explore other options.

Yes, it counts, but all transactions must be done through ICICI for them to be considered in TRV (Total Relationship Value). The best option to increase your TRV is to take a home loan with ICICI Bank.

The HDFC Biz Black Card can be easily obtained as a floater card. To be eligible, you must have any core HDFC credit card with a minimum credit limit of ₹6 lakhs. Once this requirement is met, you can request the Biz Black Card from the bank, and approval is usually straightforward. That's why...

You may get the card as lifetime free if you have a strong relationship with ICICI Bank. Simply put, if your Total Relationship Value (TRV) exceeds ₹50 lakh, you can easily request the bank to offer the Emeralde card as a lifetime free benefit. With such a high TRV, you automatically qualify as...

If you are self-employed, ICICI Bank and HDFC Bank are the best options for getting premium credit cards. HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card. ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally...

The theme and colors of the ICICI iMobile app have changed again with the latest update. Has anyone else noticed this? Have other users also experienced this change in their iMobile app after updating? Share your thoughts in the comments below!

I hadn’t seen your post earlier, but you have explained it very well there. Great work! However, there are some differences between your post and mine. My post specifically focuses on Experian. Previously, premium plans existed, but subscribing to them was not mandatory. Users could download...

VIP Subscription Price Hike – My Thoughts & Expectations For the past few days, I had been receiving messages about an upcoming price increase for my VIP subscription after its expiration. The notifications advised me to renew the plan immediately to lock in the current price. Since I was...

Hi guys! Just like every day, I sat down to check my CIBIL and Experian credit reports. But today, I was in for a surprise! Experian has discontinued its free daily credit report download feature. Now, if you want to check and download your report, you must subscribe to their premium...

Thank you 😊

I have already explained private banking in several posts and comments. Please read my previous comments in this thread—anyone looking for clarity will find the answers there.

Having a normal Emeralde card does not upgrade your account to private banking. I took it, used it for two months continuously, and then closed it. The card is not great, and the account does not get upgraded either. With an Emeralde card, your normal account gets upgraded to a Maximum...

This is the reality of ICICI Bank. I have experienced the same. By the way, great explanation—it helps others!

I have seen this before. I initially thought it was fake because it seems nearly impossible for someone to hold over 1,600 cards. The number of cards they have mentioned exceeds the total number of banks and NBFCs combined. This would only be possible if old, closed cards were also included...

It depends on the date and the source from which you are refreshing your CRIF or any other credit bureau's score. Nowadays, credit scores are updated on a daily basis, and changes can occur even within a single day. Check the date when the score was last refreshed. In my case, the score appears...

Currently no option for Amex cards.

I want to sell. I have achieved the milestone, but I haven't found the option to claim it yet. The option should become available in a few days.

Yes, I already have the Times Black Credit Card. However, my primary complaint is not about the card itself but about the poor services. The inability to apply for a new card despite having Private Banking status is an additional issue on my complaint list.

My complaint is primarily against poor service, the Relationship Manager (RM), and the Branch Manager. In my complaint, I have mentioned that my account was upgraded to Private Banking due to the Times Black Credit Card. However, it was later downgraded without any prior notice. I also tried to...