• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

And this completes ICICI portfolio for the year! (Hopefully 🤓)

  • Thread starter Thread starter Digvijay
  • Start date Start date
  • Replies Replies 23
  • Views Views 3K

Digvijay

TF Premier
VIP Lounge
So this just happened, unintentionally! I was looking for home loan balance transfer for last few months and in that pursuit I visited ICICI branch near my place. Fortunately, the relationship manager was kind enough to click all the checkboxes I needed at that time. I was not even looking for wealth management account as my primary goal was to shift from HDFC home loans to any bank offering balance transfer with lower interest rates without much hustle for paperwork. And surprisingly ICICI completed the whole process merely within two weeks. In addition, the relationship manager got me into idea of wealth management with typical sales perspective. As there was not much requirement as relationship value was being covered through home loan balance transfer, still I was asked to initial deposit of 5 lakhs only for wealth account opening and this amount could be withdrawn anytime. Yes, there is no minimum balance requirement as confirmed by bank officials. After completing this process, eventually, credit card team pitched in, offering variety of credit cards. I only asked for Sapphiro credit card as I have read through various posts on this platform, as how can one get LTF Sapphiro. Again, without much fuss, the relationship manager got it done and the LTF Sapphiro was delivered in 5 days. To give a timeline perspective, I visited ICICI branch on February 1, shared all the required documents with the team, got in-principal approval on February 8, the wealth account was opened on February 9, the balance transfer cheque was issued on February 13 and Sapphiro credit card along with Drealmfolks Privilege card was delivered on February 16. All this was smoothly done and with proper communication by every concerned person. Overall, quite happy with ICICI bank so far, hope it will continue in future too!

PS: Wealth account offers world debit card, personal pay slips with regular cheque book along with option for demat account and locker facility free of cost.
Effective home loan interest after latest RBI hike became 8.55, still worth it!

ICICI.jpg
 
I have Rubyx in Mastercard, and AMEX. And I believe you can do same with your 'Sapphiro' card, get the same in AMEX variant also instead of Rubyx, just a call with request needed and same Sapphiro fee applicable. Try once.
Just to change the network variant of the existing LTF card, one has to pay fees?
 
I have Rubyx in Mastercard, and AMEX. And I believe you can do same with your 'Sapphiro' card, get the same in AMEX variant also instead of Rubyx, just a call with request needed and same Sapphiro fee applicable. Try once.
I've VISA Rubyx. Can you please explain the benefit of MC or Amex variants?
 
So this just happened, unintentionally! I was looking for home loan balance transfer for last few months and in that pursuit I visited ICICI branch near my place. Fortunately, the relationship manager was kind enough to click all the checkboxes I needed at that time. I was not even looking for wealth management account as my primary goal was to shift from HDFC home loans to any bank offering balance transfer with lower interest rates without much hustle for paperwork. And surprisingly ICICI completed the whole process merely within two weeks. In addition, the relationship manager got me into idea of wealth management with typical sales perspective. As there was not much requirement as relationship value was being covered through home loan balance transfer, still I was asked to initial deposit of 5 lakhs only for wealth account opening and this amount could be withdrawn anytime. Yes, there is no minimum balance requirement as confirmed by bank officials. After completing this process, eventually, credit card team pitched in, offering variety of credit cards. I only asked for Sapphiro credit card as I have read through various posts on this platform, as how can one get LTF Sapphiro. Again, without much fuss, the relationship manager got it done and the LTF Sapphiro was delivered in 5 days. To give a timeline perspective, I visited ICICI branch on February 1, shared all the required documents with the team, got in-principal approval on February 8, the wealth account was opened on February 9, the balance transfer cheque was issued on February 13 and Sapphiro credit card along with Drealmfolks Privilege card was delivered on February 16. All this was smoothly done and with proper communication by every concerned person. Overall, quite happy with ICICI bank so far, hope it will continue in future too!

PS: Wealth account offers world debit card, personal pay slips with regular cheque book along with option for demat account and locker facility free of cost.
Effective home loan interest after latest RBI hike became 8.55, still worth it!

View attachment 10508
Are they issuing wealth debit card in mastercard world? They offered me only visa platinum saying they've stopped giving mastercard
 
So this just happened, unintentionally! I was looking for home loan balance transfer for last few months and in that pursuit I visited ICICI branch near my place. Fortunately, the relationship manager was kind enough to click all the checkboxes I needed at that time. I was not even looking for wealth management account as my primary goal was to shift from HDFC home loans to any bank offering balance transfer with lower interest rates without much hustle for paperwork. And surprisingly ICICI completed the whole process merely within two weeks. In addition, the relationship manager got me into idea of wealth management with typical sales perspective. As there was not much requirement as relationship value was being covered through home loan balance transfer, still I was asked to initial deposit of 5 lakhs only for wealth account opening and this amount could be withdrawn anytime. Yes, there is no minimum balance requirement as confirmed by bank officials. After completing this process, eventually, credit card team pitched in, offering variety of credit cards. I only asked for Sapphiro credit card as I have read through various posts on this platform, as how can one get LTF Sapphiro. Again, without much fuss, the relationship manager got it done and the LTF Sapphiro was delivered in 5 days. To give a timeline perspective, I visited ICICI branch on February 1, shared all the required documents with the team, got in-principal approval on February 8, the wealth account was opened on February 9, the balance transfer cheque was issued on February 13 and Sapphiro credit card along with Drealmfolks Privilege card was delivered on February 16. All this was smoothly done and with proper communication by every concerned person. Overall, quite happy with ICICI bank so far, hope it will continue in future too!

PS: Wealth account offers world debit card, personal pay slips with regular cheque book along with option for demat account and locker facility free of cost.
Effective home loan interest after latest RBI hike became 8.55, still worth it!
Congrats! What did you tell the credit card team to get LTF Sapphiro? Or was it your RM that convinced them?
 
So this just happened, unintentionally! I was looking for home loan balance transfer for last few months and in that pursuit I visited ICICI branch near my place. Fortunately, the relationship manager was kind enough to click all the checkboxes I needed at that time. I was not even looking for wealth management account as my primary goal was to shift from HDFC home loans to any bank offering balance transfer with lower interest rates without much hustle for paperwork. And surprisingly ICICI completed the whole process merely within two weeks. In addition, the relationship manager got me into idea of wealth management with typical sales perspective. As there was not much requirement as relationship value was being covered through home loan balance transfer, still I was asked to initial deposit of 5 lakhs only for wealth account opening and this amount could be withdrawn anytime. Yes, there is no minimum balance requirement as confirmed by bank officials. After completing this process, eventually, credit card team pitched in, offering variety of credit cards. I only asked for Sapphiro credit card as I have read through various posts on this platform, as how can one get LTF Sapphiro. Again, without much fuss, the relationship manager got it done and the LTF Sapphiro was delivered in 5 days. To give a timeline perspective, I visited ICICI branch on February 1, shared all the required documents with the team, got in-principal approval on February 8, the wealth account was opened on February 9, the balance transfer cheque was issued on February 13 and Sapphiro credit card along with Drealmfolks Privilege card was delivered on February 16. All this was smoothly done and with proper communication by every concerned person. Overall, quite happy with ICICI bank so far, hope it will continue in future too!

PS: Wealth account offers world debit card, personal pay slips with regular cheque book along with option for demat account and locker facility free of cost.
Effective home loan interest after latest RBI hike became 8.55, still worth it!

View attachment 10508
You should have fought for LTF Emeralde. Congratulations.
 
So this just happened, unintentionally! I was looking for home loan balance transfer for last few months and in that pursuit I visited ICICI branch near my place. Fortunately, the relationship manager was kind enough to click all the checkboxes I needed at that time. I was not even looking for wealth management account as my primary goal was to shift from HDFC home loans to any bank offering balance transfer with lower interest rates without much hustle for paperwork. And surprisingly ICICI completed the whole process merely within two weeks. In addition, the relationship manager got me into idea of wealth management with typical sales perspective. As there was not much requirement as relationship value was being covered through home loan balance transfer, still I was asked to initial deposit of 5 lakhs only for wealth account opening and this amount could be withdrawn anytime. Yes, there is no minimum balance requirement as confirmed by bank officials. After completing this process, eventually, credit card team pitched in, offering variety of credit cards. I only asked for Sapphiro credit card as I have read through various posts on this platform, as how can one get LTF Sapphiro. Again, without much fuss, the relationship manager got it done and the LTF Sapphiro was delivered in 5 days. To give a timeline perspective, I visited ICICI branch on February 1, shared all the required documents with the team, got in-principal approval on February 8, the wealth account was opened on February 9, the balance transfer cheque was issued on February 13 and Sapphiro credit card along with Drealmfolks Privilege card was delivered on February 16. All this was smoothly done and with proper communication by every concerned person. Overall, quite happy with ICICI bank so far, hope it will continue in future too!

PS: Wealth account offers world debit card, personal pay slips with regular cheque book along with option for demat account and locker facility free of cost.
Effective home loan interest after latest RBI hike became 8.55, still worth it!

View attachment 10508
Just one question
How much was the Loan Amount?
 
Are they issuing wealth debit card in mastercard world? They offered me only visa platinum saying they've stopped giving mastercard
Yes, ICICI has started with Mastercard as well as American Express variant. Some bank representatives do not know so they deny it or by default issue Visa variant.
 
You should have fought for LTF Emeralde. Congratulations.
Haha if only! The bank manager asked me to wait for few months and then they will take a call if Emeralde LTF can be issued upon total relationship. . Bank or RM has not promised anything so I am not having much expectations either.
 
Back
Top