If your salary is not 3Lpm, it is difficult to get the cc. Cases of epm without this salary are pretty rare.Why you think so ?? Is it being given liberally these days?
On another note,
Anyone who has experience with payback points reward program can share their views..
I was not in India during the majority life of that rewards program…
But you mentioned 50L deposit right? I believe @Panthera_Tigris got epm in a similar way. So yes with 50-100L deposit in savings, good chances of getting epm.
FYI, their ideal target of 50kpm ppop is achieved at 1.2cr in savings.