Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[Dr.Anand456Dr.Anand456 is verified member.]

Just to get some clarity, is bank account mandatory to get EPM?? or ITR or PPOP should be fine??

I don't know the exact answer to this. But in my opinion, a savings account might be required. ICICI Bank doesn't easily issue even a basic credit card without a savings account, so this is an invite-only card. However, your branch manager will provide complete details when you apply.

 

[BVCBVC is verified member.]

I don't know the exact answer to this. But in my opinion, a savings account might be required. ICICI Bank doesn't easily issue even a basic credit card without a savings account, so this is an invite-only card. However, your branch manager will provide complete details when you apply.

My friend is on this issue. He has Demat account, Credit Cards and Prudential policies but all without Savings account.

 

[abhiaj98]

My friend is on this issue. He has Demat account, Credit Cards and Prudential policies but all without Savings account.

I mean he can easily get a Privilege account no? I am also planning to do the same.

 

[cardio_guycardio_guy is verified member.]

@Dr.Anand456 @abhiaj98 @BVC and others - This is the official eligibility for EPM as per bank.

Got it from this video.

 

[abhiaj98]

@Dr.Anand456 @abhiaj98 @BVC and others - This is the official eligibility for EPM as per bank.

Got it from this video.

Looks very legit
Even in this thread, people who have gotten EPM satisfy one of these criteria.

 

[imdjay]

2.5 L. Really...? 🤔😳

See . .

 

[techstrom007]

Just to get some clarity, is bank account mandatory to get EPM?? or ITR or PPOP should be fine??

How you will get ppop without icici account ?

 

[BVCBVC is verified member.]

@Dr.Anand456 @abhiaj98 @BVC and others - This is the official eligibility for EPM as per bank.

Got it from this video.

Yes this is official one. There was an internal PDF document which was circulated last time during launch.

 

[BVCBVC is verified member.]

How you will get ppop without icici account ?

PPOP calculated at Cust ID level. AFAIK When you’ve CC account, you will have some customer ID. Later on you can map, Prudential Policies, Demat, FASTag, General Insurances.

 

[BVCBVC is verified member.]

See . .

Is the card approved and reflecting in app??

 

[imdjay]

Is the card approved and reflecting in app??

Obviously. It's a year-old image. I have been using my card since last May 2024.
I think you should take a look at the older EPM card thread, we discussed all the eligibility criteria and process in detail there. This is the second time I shared this image.

 

[abhiaj98]

Obviously. It's a year-old image. I have been using my card since last May 2024.
I think you should take a look at the older EPM card thread, we discussed all the eligibility criteria and process in detail there. This is the second time I shared this image.

Can you share that thread?

 

[imdjay]

Can you share that thread?

not able to find all the posts. but you can try these threads-

Thread 'ICICI Bank Emeralde Private Metal Credit Card Launched | TechnoFino Review'

Jul 18, 2023

ICICI Bank has launched the Emerald Private Metal Credit Card, which offers all the benefits of the ICICI Emerald Credit Card along with a few additional benefits.

Welcome Benefits:

1. Taj Epicure membership for the first year. [You'll get one stay voucher with this]
2. Receive 12,500 bonus reward points after annual fee payment each year.
3. EazyDiner Prime membership (renewed annually).

Main Benefits:

1. Unlimited golf games/lessons for the primary cardholder.
2. Unlimited domestic airport lounge access using the Emerald Private Metal Credit Card for both the...

• TechnoFino
• icici icici bank icici credit card icici emeralde private credit card
• Replies: 1,749
• Forum: New Credit Card Launch & Related News

• 
• 

Thread 'ICICI Emeralde Private Metal - Application Process'

Apr 6, 2024

I recently posted about My ICICI Emeralde Private Metal card. You can read it here - https://www.technofino.in/community...ome-emeralde-metal-private.25095/#post-594287.

And as I promised there, I am posting about my application process here.

The application process:

• The relationship - I am an ICICI Wealth account holder courtesy my old salary account and the fact that all my home, car loans have been through ICICI Bank only. My AQB for ICICI is less than 10k since couple of years now. But I still have a home loan with them with a relatively low...

• callsignmaverick
• how to get a super premium credit card icici emeralde private credit card super premium credit cards
• Replies: 183
• Forum: Super Premium Credit Cards

• 

 

[KGSIPO]

Today, I met a new and good branch manager along with the new Relationship Manager (RM). After I filed my complaint, the branch manager himself visited my home and had a 30-minute conversation with me. He assured me that he would provide me with the welcome kit and the card. He just asked me to give him one chance. Hearing this, tears welled up in my eyes 😅—especially after the introduction and after he got to know everything about me.

Regarding the card, he mentioned that he would forward my request. This card is not easily available to just anyone. According to the branch manager, currently, fewer than 1,000 people in India hold this card. Moreover, just being a Wealth or Private Banking customer is not enough to qualify for it. One needs to meet specific criteria.

He mentioned something about 'PPOP' or a requirement of maintaining ₹50,000 (unclear), which is extremely difficult to achieve. Another way to qualify is by having an Income Tax Return (ITR) of ₹1 crore and a Total Relationship Value (TRV) exceeding ₹3 crore. The final option is to receive a direct invite, which is highly unlikely 😅.

Tomorrow, they will first calculate my TRV and then inform me whether I am eligible for this card or not. After that, approval will be required from the Zonal In-Charge of my area, followed by the Credit Card In-Charge. Only after getting approvals at all these levels can someone obtain this card.

So, one thing is clear—whoever has this card is either very lucky or extremely wealthy, because it is not meant for everyone.

Are you trying for LTF or paid EPM Card

 

[Bodhi]

Today, I met a new and good branch manager along with the new Relationship Manager (RM). After I filed my complaint, the branch manager himself visited my home and had a 30-minute conversation with me. He assured me that he would provide me with the welcome kit and the card. He just asked me to give him one chance. Hearing this, tears welled up in my eyes 😅—especially after the introduction and after he got to know everything about me.

Regarding the card, he mentioned that he would forward my request. This card is not easily available to just anyone. According to the branch manager, currently, fewer than 1,000 people in India hold this card. Moreover, just being a Wealth or Private Banking customer is not enough to qualify for it. One needs to meet specific criteria.

He mentioned something about 'PPOP' or a requirement of maintaining ₹50,000 (unclear), which is extremely difficult to achieve. Another way to qualify is by having an Income Tax Return (ITR) of ₹1 crore and a Total Relationship Value (TRV) exceeding ₹3 crore. The final option is to receive a direct invite, which is highly unlikely 😅.

Tomorrow, they will first calculate my TRV and then inform me whether I am eligible for this card or not. After that, approval will be required from the Zonal In-Charge of my area, followed by the Credit Card In-Charge. Only after getting approvals at all these levels can someone obtain this card.

So, one thing is clear—whoever has this card is either very lucky or extremely wealthy, because it is not meant for everyone.

How did you complain? Please enumerate as my RM and BM are not so responsive.
Thanks

 

[Bodhi]

@Dr.Anand456 @abhiaj98 @BVC and others - This is the official eligibility for EPM as per bank.

Got it from this video.

Thanks for sharing @cardio_guy

 

[cardio_guycardio_guy is verified member.]

PPOP calculated at Cust ID level. AFAIK When you’ve CC account, you will have some customer ID. Later on you can map, Prudential Policies, Demat, FASTag, General Insurances.

How to do that mapping? Is it done by us or through the bank?

 

[Bodhi]

PPOP calculated at Cust ID level. AFAIK When you’ve CC account, you will have some customer ID. Later on you can map, Prudential Policies, Demat, FASTag, General Insurances.

What would approximate PPOP of 60L in Savings account over a year calculate to, please?

 

[cardio_guycardio_guy is verified member.]

Savings, fd, and DMAT
Got the card last year May.

Quick qn - do they consider our MF investments for TRV? (Direct, not through any branch)

 

[ozil10]

Has anyone asked if EPM could be offered as an upgrade based on spending criteria, similar to how you can upgrade to Infinia from DCB/Regalia Gold if you meet certain spending requirements in the last 3-6 months and have a credit limit of 10L on the existing card?

ICICI should consider implementing this criteria because, as it stands, the EPM card feels almost impossible to obtain. It’s difficult to compete with Infinia when getting EPM requires twice the effort.