Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[Slayer]

Classic banking conversations be like

 

[Dobbiee]

I know you are from raipur. I often go to there for some work. That's why asked which branch. 😄

Here even with 50L ip, they aren't ready to help. Sir cc and branch banking is different sir. How can we give cc depending on nrv, Sir. I told them I got a rg ltf for my senior citizen mother as her 1st cc. And many people have got it in icici also. Not possible sir. They are lying to you. Icici doesn't do this. 😔

Bhai,
Right now ICICI is flying high with the launch of ishop.
EPM was a tough card from the time it was launched. They would not bulge on salary criteria. Not sure about the criteria for business people.

And relationship does matter a lot for ICICI. Thats my experience.

No point going to a new branch. Better try with existing branch. If they are not competent, shift the account to another branch.

 

[sidpsidp is verified member.]

Bhai,
Right now ICICI is flying high with the launch of ishop.
EPM was a tough card from the time it was launched. They would not bulge on salary criteria. Not sure about the criteria for business people.

And relationship does matter a lot for ICICI. Thats my experience.

No point going to a new branch. Better try with existing branch. If they are not competent, shift the account to another branch.

I only have cc relationship with icici. No favour no account.
My equitas bm was earlier in icici. He is a resourceful guy so he must have some contacts. But if I tell him I am ready to write a big cheque, he will ask to deposit in his branch. 😑

 

[Dobbiee]

I only have cc relationship with icici. No favour no account.
My equitas bm was earlier in icici. He is a resourceful guy so he must have some contacts. But if I tell him I am ready to write a big cheque, he will ask to deposit in his branch. 😑

Last year when I was new to HDFC, you had guided me to take DCB, then look for upgradation to Infinia. It was a good suggestion - without loosing on rewards, I am moving forward to Infinia.

My suggestion in case of EPM would be:

First try and negotiate with a ICICI branch for opening Wealth Account. Look for a branch that has dedicated wealth section (prefer Tier 2 cities).

If things dont work out right away for EPM, still open a wealth account and start building relationship.
Try and get higher CL (15 lacs+ types) on credit card. And then look for ways that could work out for upgrade to EPM.

 

[BVCBVC is verified member.]

First try and negotiate with a ICICI branch for opening Wealth Account. Look for a branch that has dedicated wealth section (prefer Tier 2 cities).

No Tier 2 cities. Very difficult to get approvals. Tier 2 cities BM requests are not cared by upper management. I am telling on personal Experience.

 

[BVCBVC is verified member.]

Guys, I switched branches yesterday and my new Private Banking RM submitted my EPM application within 15-20 mins. He says I will get the card by Friday.

But given all the whining and naysaying from my old RM/ BM (F*** those guys) and also based on feedback from you guys, I am still sceptical.

What do you guys think? Does the fact that I can see a credit limit mean its pre-approved?

Application processed ?

 

[Dobbiee]

No Tier 2 cities. Very difficult to get approvals. Tier 2 cities BM requests are not cared by upper management. I am telling on personal Experience.

Said it because I have account in Tier 2 city. Though the main branch.
Anyways good to go with Metro cities also.

 

[theboogeyman]

I have wealth account in bangalore. RM is useless. What shall I do?. Net is around 2.6lpm

 

[imdjay]

No Tier 2 cities. Very difficult to get approvals. Tier 2 cities BM requests are not cared by upper management. I am telling on personal Experience.

I got in tier 2 city only.

 

[sidpsidp is verified member.]

No Tier 2 cities. Very difficult to get approvals. Tier 2 cities BM requests are not cared by upper management. I am telling on personal Experience.

I live in a t2 city.😵‍💫

 

[sidpsidp is verified member.]

Today I went to a different branch. Bm is claiming he can upgrade me to private at much lower nrv. But isn't making a commitment on epm. He says whether i get epm or not ill definitely get adani cc ltf. But that cc is useless for me.

 

[BVCBVC is verified member.]

Today I went to a different branch. Bm is claiming he can upgrade me to private at much lower nrv. But isn't making a commitment on epm. He says whether i get epm or not ill definitely get adani cc ltf. But that cc is useless for me.

Two different league cards. 😂

 

[BVCBVC is verified member.]

I got in tier 2 city only.

ICICI Fav guys will get where ever you are.

 

[cardio_guycardio_guy is verified member.]

Guys, share some questions to ask while visiting the branch. 😀
how to make sure that they don't put us in defensive mode?

 

[techstrom007]

Two different league cards. 😂

 

[techstrom007]

Go with your wife. That makes an impact.
Dont ask why. 😉

I will try 🤣


Once i visited the HDFC branch with her and bm started convencing her for ulip

 

[BVCBVC is verified member.]

Guys, share some questions to ask while visiting the branch. 😀
how to make sure that they don't put us in defensive mode?

- Sir What's your name?
- Sir What's your Salary?
- Sir Where are you from?
- Sir Do you hold account with us?
- Sir Do you own Chartered Plane?
- Sir Do you own Island in any country?
- Sir what's your Swiss Bank account Balance?

Continues....

 

[theboogeyman]

@BVC any option to get EPM In Bangalore, net around 2.6LPM have ICICI Wealth but RM is not helpful at all

 

[BVCBVC is verified member.]

@BVC any option to get EPM In Bangalore, net around 2.6LPM have ICICI Wealth but RM is not helpful at all

Sorry, no idea in Bangalore. 2.6L Net salary now I guess nothing works. As the demand increased now, they are not considering that atleast for now.

 

[theboogeyman]

Sorry, no idea in Bangalore. 2.6L Net salary now I guess nothing works. As the demand increased now, they are not considering that atleast for now.

so 2.6lpm is now poor ;_;