Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[Jhon Anand]

Co-branded and core card have different limits and that might have worked for you

@Jhon Anand better to close the existing card if limit is the issue here and ask them to apply post that

I think after closing then they'll have another cooldown before applying and if they increase the criteria to 5LPM like infina then I'll become ineligible and will be left with no icici card.

Current one is sapphiro ltf

Let's see if they'll increase limit with income docs. She said she'll check and get back

 

[shu_sha_]

I think after closing then they'll have another cooldown before applying and if they increase the criteria to 5LPM like infina then I'll become ineligible and will be left with no icici card.

Current one is sapphiro ltf

Let's see if they'll increase limit with income docs. She said she'll check and get back

ICICI doesn't have any cool down period afaik, you can apply it immediately post closing the card.

 

[Jhon Anand]

ICICI doesn't have any cool down period afaik, you can apply it immediately post closing the card.

That's great, one more query.


If I'm unable to get epm somehow, can I get sapphiro once again using alumni offer later ?

 

[shu_sha_]

If I'm unable to get epm somehow, can I get sapphiro once again using alumni offer later ?

Would be difficult to get it back

If you're eligible for EPM based on the salary criteria then I guess no need to worry. But better take this on email from your RM

Also do check with other corporate RMs who can easily get you EPM with salary criteria without closing your existing card

 

[Jhon Anand]

Would be difficult to get it back

If you're eligible for EPM based on the salary criteria then I guess no need to worry. But better take this on email from your RM

Also do check with other corporate RMs who can easily get you EPM with salary criteria without closing your existing card

My company has no tie ups, so no corporate RMs 😭😭

Do you have contact for any corporate RM ?

 

[shu_sha_]

My company has no tie ups, so no corporate RMs 😭😭

Do you have contact for any corporate RM ?

D M .

 

[Indrajeet100]

When did you get it ?

I got it last year. Limit never came for discussion. At that time RM told me I can get Sapphiro ltf. I had put in application online but when learnt it will be Sapphiro I asked them to decline. That became minor issue that one application rejected and another same time.

 

[CC_Exuberant]

Can any one one tell me what is the per day limit on EPM spends on accelerated rewards ? I have two add on cards . Is limit applicable to one main card or per add on card . Like if its 60K per card or per add on card in a day ?

 

[theXfactor]

Can any one one tell me what is the per day limit on EPM spends on accelerated rewards ? I have two add on cards . Is limit applicable to one main card or per add on card . Like if its 60K per card or per add on card in a day ?

Max 10K cap in a day for accelerated rewards (18k/month). In 6x category, you get accelerated points up to 66600 Rs spends in a day, anything above will get you regular points. 120K in a month. This is collective capping on Primary & addons.

 

[aayusharyan]

This is all wrong. Limit of existing card has no link at least in ICICI world. I used to have Amazon pay with just 3lacs limit. When I got EPM, it got seperate limit of 26l and Amazon pay still continues on 3l

You can request ICICI to match it, just raise an issue on X, they will increase APay to 26L.
Mine they did automatically in 3 months. 1L -> 10L.

 

[Indrajeet100]

You can request ICICI to match it, just raise an issue on X, they will increase APay to 26L.
Mine they did automatically in 3 months. 1L -> 10L.

Yes but Apay card is not used anymore after EPM have been using vouchers for Amazon shopping and Amazon pay etc.

 

[shashank08]

Yes but Apay card is not used anymore after EPM have been using vouchers for Amazon shopping and Amazon pay etc.

100% agree with this.. most of the things will be vouchers from iShop..

 

[spazz]

No, After recent LE I have 29.5 L on EPM and 18 L on Amazon pay, Sapphiro MasterCard and Coral rupay.

interesting. thank you!

 

[Jhon Anand]

My RM has agreed to increase limit and then apply for metal. But she's saying that there's third criteria which is ppop which is not satisfied.

I know others have got without it and mentioned the same but she's adamant that it's mandatory.

Any tips on how to proceed?

 

[Prem03]

My RM has agreed to increase limit and then apply for metal. But she's saying that there's third criteria which is ppop which is not satisfied.

I know others have got without it and mentioned the same but she's adamant that it's mandatory.

Any tips on how to proceed?

Just get the limit increased and don't apply EPM with this RM. You need an RM who can apply without singing PPOP song

 

[Prem03]

that's shocking buddy because I was told there is only one limit across all cards.

Co-branded and core card have different limits and that might have worked for you

@Jhon Anand better to close the existing card if limit is the issue here and ask them to apply post that

No, After recent LE I have 29.5 L on EPM and 18 L on Amazon pay, Sapphiro MasterCard and Coral rupay.

No one is wrong here because ICICI provides both, i.e. same as well as different limits.
My Apay limit was 9 lakh and Coral was at 6.6 Lakh. I got the limit extension on both and I increased it to 10 Lakh. After the limit extension on both the cards, the limit got merged. Thereafter, I applied for EPM and got it with the same 10 Lakh limit which is shared among all the 3 cards.

 

[Jhon Anand]

No one is wrong here because ICICI provides both, i.e. same as well as different limits.
My Apay limit was 9 lakh and Coral was at 6.6 Lakh. I got the limit extension on both and I increased it to 10 Lakh. After the limit extension on both the cards, the limit got merged. Thereafter, I applied for EPM and got it with the same 10 Lakh limit which is shared among all the 3 cards.

Ohhh . .

 

[Jhon Anand]

No one is wrong here because ICICI provides both, i.e. same as well as different limits.
My Apay limit was 9 lakh and Coral was at 6.6 Lakh. I got the limit extension on both and I increased it to 10 Lakh. After the limit extension on both the cards, the limit got merged. Thereafter, I applied for EPM and got it with the same 10 Lakh limit which is shared among all the 3 cards.

Did you wait after LE before applying for epm ?

 

[Prem03]

Did you wait after LE before applying for epm ?

No, when I applied for the first time in Feb, as per my useless RM, 5 Lakh limit on existing ICICI card was enough to apply and 50k PPOP is must to get the approvals. However, the truth is, if your salary credit is 3L+, nothing is required.

 

[spazz]

No, when I applied for the first time in Feb, as per my useless RM, 5 Lakh limit on existing ICICI card was enough to apply and 50k PPOP is must to get the approvals. However, the truth is, if your salary credit is 3L+, nothing is required.

RM's are the real villains here.