Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[Nishan11]

I am aware of the criteria like 50k PPOP and a 2 cr TRV.
I don’t have any relation to ICICI, but lets say I go to a branch and tell them I will make an FD of 1 cr and as an incentive want the Emeralde Private Metal. Do you think it will work?

ITR 1.5 cr
CIBIL 800

It should work depending on your negotiation skill.
BM will say that they need to wait for 3 months so PPOP gets generated on basis of your FD and any other investment. After that, they will apply for EPM.

It's risky bait because there is no guarantee that they will honor the deal as they can always give an excuse that PPOP is less. There is possibility that some BM may get you EPM once PPOP is generated.

If you have surplus amount, you can try this for sure. There is good possibility of getting EPM, depending on willingness & efficiency of BM.

But I will suggest you to not do FD for more than 6 months, in case they don't honor the deal, you can invest it at any other bank after 6 months for better return.

Tell BM clearly you are doing FD for EPM only and future relationship with bank/branch will depend on their overall service and getting approval of EPM.

If you don't have issue sharing ITR with bank, give them your ITR & ask them to apply. Once they get all approvals from above management, then only you will do Fixed deposit. Then they can proceed with application.

Once BM confirms he/she got all approvals to initiate application for EPM, take this in writing in email/whatsapp. Then proceed with FD.

 

[Ayushsingh_2001]

Can anyone help me connect with rm for epm fulfills the 3L plus salary with 6L limit on existing card. Please DM if anyone can help.

 

[imdjay]

I am aware of the criteria like 50k PPOP and a 2 cr TRV.
I don’t have any relation to ICICI, but lets say I go to a branch and tell them I will make an FD of 1 cr and as an incentive want the Emeralde Private Metal. Do you think it will work?

ITR 1.5 cr
CIBIL 800

DM me. Will help. Don't listen to people who don't hold EPM. They don't know the way that's why they don't hold it.

 

[salisburry44]

My brother got the card approved today. Took almost 4 weeks. His itr below 30 L after tax (self employed) . If itr is low they take physical application like take all details on tab and photograph while applying. He got mainly because of company relationship with them.

 

[Fini7777]

My brother got the card approved today. Took almost 4 weeks. His itr below 30 L after tax (self employed) . If itr is low they take physical application like take all details on tab and photograph while applying. He got mainly because of company relationship with them.

Can u pls share what are the other details / docs asked
Does ur bro has existing icici card? Limit?
Fds.... ? Or any other accounts?

I'm in similar situations

 

[satty]

Just saw a post on X that someone got EPM 3lac+ salary basis, but it's denied for me. My RM gave wired reason that bank is not issuing the card rightnow

..

 

[satty]

My brother got the card approved today. Took almost 4 weeks. His itr below 30 L after tax (self employed) . If itr is low they take physical application like take all details on tab and photograph while applying. He got mainly because of company relationship with them.

Can you please DM RM details who processed it will ask him to educate my RM too 😉

 

[salisburry44]

Can u pls share what are the other details / docs asked
Does ur bro has existing icici card? Limit?
Fds.... ? Or any other accounts?

I'm in similar situations

Just took 2 yrs itr. Only savings account with less than 5L balance. Its mainly because of past and future business accounts which we have with them. BM had got regional head to office. Mine still in process. Got account opened last week

 

[Prem03]

Just saw a post on X that someone got EPM 3lac+ salary basis, but it's denied for me. My RM gave wired reason that bank is not issuing the card rightnow

..
View attachment 88543

This is true. If the bank employees like RM, BM, Sales Head etc. support, one can easily get by meeting salary criteria.

 

[satty]

This is true. If the bank employees like RM, BM, Sales Head etc. support, one can easily get by meeting salary criteria.

Do you know any who can help? My RM is useless ..

 

[Prem03]

Do you know any who can help? My RM is useless ..

Even mine didn't do anything after filling the application and that's why my application got rejected as the backend team didn't receive all the documents from them.
Go to your branch and try to meet the BM, Sales manager and Sales Head. Talk to them as they can only help to get it approved.