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@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@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 🙂

 

[abhiaj98]

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