• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

I thought you had earlier said that you refused to open a wealth account while applying for EPM. Anyways its good.
Hope the beta dust settles soon and proper functioning starts.
I had elaborated it in one of my posts.

I still have only 10k in my “Wealth” account and I didn’t have to open Wealth account for EPM. RM visited me, requested my consent, I gave my consent to elevating my account to Wealth NOT committing any business including shifting my salary account to ICICI. Business would come naturally if I like their services but no forward commitments.

My journey to EPM was pretty straightforward even with Privilege account.
Only benefit I see with Wealth account is a direct connectivity to the customer care.
 
I had elaborated it in one of my posts.

I still have only 10k in my “Wealth” account and I didn’t have to open Wealth account for EPM. RM visited me, requested my consent, I gave my consent to elevating my account to Wealth NOT committing any business including shifting my salary account to ICICI. Business would come naturally if I like their services but no forward commitments.

My journey to EPM was pretty straightforward even with Privilege account.
Only benefit I see with Wealth account is a direct connectivity to the customer care.
Yes. With wealth the service quality increases.
Hope you have taken wealth debit card. They dont give it without customer asking for it.
 
Yes. With wealth the service quality increases.
Hope you have taken wealth debit card. They dont give it without customer asking for it.
They gave me in my case.

Oh ok, mine was a new account; not an upgrade. What you said would be true for upgrades Ig

Btw if the account gets downgraded what are the charges for this dc?
 
ICICI doesn't waits for fee realization.
For setting the card on mobile app, need to confirm with people who have only card, without account. @BVC can guide on this.

Hope your first credit card monthly statement is generated and came on email.
When first statement got generated and before fees payment rewards got credited to account. Not the accelerated ones because back then iShop wasn’t there.

1744218258112.webp
 
Yes. With wealth the service quality increases.
Hope you have taken wealth debit card. They dont give it without customer asking for it.
In my case, I didn’t ask for it but received the card in a couple of days. It is an automated process the moment your account is upgraded, a request for new debit card gets logged.
 
In my case, I didn’t ask for it but received the card in a couple of days. It is an automated process the moment your account is upgraded, a request for new debit card gets logged.
In my case it was auto upgraded to wealth at the backend. Came to know about wealth debit card after almost a year. 🤔
 
They gave me in my case.

Oh ok, mine was a new account; not an upgrade. What you said would be true for upgrades Ig

Btw if the account gets downgraded what are the charges for this dc?
As per ICICI wealth and private debit card are lifetime free.
Dont think there would be any charges if account is downgraded.
@Sobirvs
 
Earned during the month, I guess, is the bonus points and opening balance is the base points from the transactions in the statement. It all matched in my case.
There are some more points credited to the card account.
But what is now showing in net banking is different from iMobile.
And still lot of points are yet to come.

Lagta hai ICICI ka ye hic-up will take another month or so to clear up.
 
Hi, My mother is getting an upgrade offer for PVC Emerald CC (Paid)
Is it worth taking it?
what's the diff between PVC and E.P.M?
The only good thing about Emeralde PVC is unlimited lounges without any spends condition for the primary card holder. There is No welcome benefit to compensate for joining fees however annual fees of 12k + gst is waived on annual spends of Rs 10L. Normal reward rate is only 1% ( 4 reward points per Rs 100 spends) .
 
The only good thing about Emeralde PVC is unlimited lounges without any spends condition for the primary card holder. There is No welcome benefit to compensate for joining fees however annual fees of 12k + gst is waived on annual spends of Rs 10L. Normal reward rate is only 1% ( 4 reward points per Rs 100 spends) .
unlim lounge access can't be shared with add-on cards, right? And we don't get any RP after paying AF like E.P.M
 
My ICICI Emeralde Private Metal CC just got approved.

As HDFC were not giving me any core CC let's alone infinia even though I have salary account with them from last 6 yrs apart from Tata neu infinity which I got through Tata neu app. Reason being my startup is not listed in HDFC database.

I decided to move to ICICI as my corporate has tie-up with them. I got wealth salary account opened through corporate and asked the person came for account opening for EPM eligibility. He mentioned that I should be eligible for it based on my salary but will confirm by taking to BM.

After my 1st salary got credit in ICICI next month, I again messaged him on WhatsApp for update. He told we can start the procedure and after too and fro for 18 days finally it's approved 🎉 🎉

1000122337.webp
 
Something awkward happened with me... Virtual RM called me asking if I was interested in ICICI Emeralde Private Metal. I said sure. He pinged me a couple of mins back stating, he sent it to state head for approval.
Current relationship is a salary account with them from 2010. APay, Sapphiro, Coral, OD account. No loans or anything.

He asked me if i get all approvals and card is delivered, will i be able to start using their demat account. I said fine.

Lets see what happens.
 
Back
Top