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

Got Offer for ICICI Emeralde Plastic (paid)

pythonlover

TF Select
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].

IMG_3859.PNG

I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.

The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.
 
A month ago, it showed a paid upgrade option for Rubxy, Mine, and MMT Signature cards. Now, it's updated to offer a paid upgrade for Sapphiro, MMT Signature, and the Manchester United Signature Card. I'm sure about the base limit is 3L for the Sapphiro card idk how I am getting this upgrade though. My credit limit was 1L and got raised to 2.2L in the last week of December.
That is completely normal.

People having Sapphiro with <1L limit were recently offered Paid Emeralde. They're pre-approving Emeralde in masses, but unfortunately nobody is taking it.
 
I also have MMT Signature, Apay and Sapphire Card and all are having CL of 4.6 L separately.

I also have HDFC millennia from 2020 with 2.1L limit and didn't receive any LE and upgrade offer since last 2 years even having Imperia banking.

Today I talked with Credit Card SM head via my BM and told me that with 9 L ITR I am not going to get any LE and upgrade offer as I already have combined limit of around 25 L in all my card accounts. So he suggested me to close some cards.

Can anyone suggest me which cards should I close?
My card list:
1. ICICI APAY
2. ICICI MMT SIGNATURE
3. ICICI SAPPHIRE
4. AMEX MRCC (having upgrade offer to Platinum Travel)
5. HDFC MILLENNIA
6. SBI PRIME
7. AXIS AIRTEL
8. SC SMART
9. SC TITANIUM
 
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].
Hi bro. What did you choose here? Did the Emeralde offer disappear for you or is it showing still, or did it become LTF? Any update? Just to know.
 
Yes. I think I will let it pass. Reward rate is very poor. On top of that, there is no welcome benefit or renewable benefits, unlike Emeralde Private. Since I am not a frequent traveller at all, this card for sure is not for me. I would have taken if I was offered Emeralde Private.

Unfortunately I am not eligible for them, income wise. Otherwise I would take Infinia in a heartbeat. This is what was tempting me. Only premium card which I will likely be offered for a long time.
Did you get any joining bonus or benefit?
I think there is zero joining benefit so 14750 is wasted
 
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].

View attachment 40092

I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.

The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.
why no rubyx in the line up? u may get LTF
 
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].

View attachment 40092

I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.

The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.
I also hold all these 4 cards... Want to close one or two of them.

Any suggestions which one should I close ?
 
Got an offer for paid Emeralde in iMobile. I hold 4 cards with ICICI bank [MMT Visa Signature (man this card is useless!), Amazon Pay, Sapphiro (LTF, Alumni offer, Limit of ICICI with 3L) & RuPay Coral (paid)].

View attachment 40092

I have a regular 10000 MAB savings a/c. Interestingly my salary is much less than required threshold for Emeralde (much much less). I don't have any big relationship, just some small FD. My annual expense is hardly around 1.5 lakh and I don't travel much. But I can afford this card and it is very tempting for me right now. I know that I will never get any such offer for Infinia or DCB from HDFC (I have Millennia LTF with meagre 50000 limit), so this may be the only shot for a premium card for me (though it is paid and not that great card) for a long time. Also I may have to travel a lot in next 2-3 years after I change my job (may be I won't get the offer that time). I will also get limit enhancement for sure and may use this card to apply for other bank's credit cards.

The drawbacks are that reward rate is low and it is paid (however, I have heard this card is very rare to get LTF or even FYF). What do you people suggest? Also is there some reward point or bonus against joining fee & annual fee? Emeralde website shows none. Also if someone has link for Emeralde annual returns, please post it here. Thank you.
I also see this offer in my imobile app. Just a question - For this card, do the add-on card holders also get Dreamfolks physical card?
For sapphiro, DF is only for primary cardholder. What about Emeralde?
 
Only primary holder will get df card
that's sad. I know For Regalia Gold card, all add-on cardholders get separate Priority Pass physical cards.
Even Standard Chartered Easemytrip gives separate Priority Pass physical cards for add-on card holders.
Being the toppest card from ICICI, they are not giving DF to add-on holders make it more unliked.
 
Did you get any joining bonus or benefit?
I think there is zero joining benefit so 14750 is wasted
Yup, it is all wasted. No joining bonus or benefit. It is the worst spend based premium card. However, if someone values non-spend benefits like spa, ticket insurance upto 12000, lounge access, BMS BOGO etc and can use it, then I guess they can extract benefits from it. I will most likely close it after 1 year.
 
I also hold all these 4 cards... Want to close one or two of them.

Any suggestions which one should I close ?
It is a bit difficult. I am also planning to close one or two ICICI cards as they are all separate accounts on CIBIL and falsely increase credit exposure. I have the following : Amazon Pay (great for Amazon), Coral RuPay (paid, rarely used), Sapphiro (LTF, rarely used), Emeralde (paid, currently most used card as I closed Millennia) and MMT Visa Signature (LTF).

I plan to close Coral RuPay (I have Canara Bank RuPay Platinum for UPI) and may be MMT Visa Signature, despite the latter being LTF. I have not used the MMT card for months. It is of no use. It is neither great for MMT spends nor any travel benefit. The only good things are that it provides lounge access and can be used for ICICI offers. Since I have other cards for offers and plan to apply for Axis Atlas, I am planning to close it.

I will also close Emeralde when it is due for renewal. I have already closed HDFC Millennia as I want to apply for higher variant of HDFC cards.
 
why no rubyx in the line up? u may get LTF
I don't plan on any more ICICI cards. In my CIBIL report, they all show as separate accounts and unnecessarily increase my credit exposure. Also ICICI cards do not add any more benefit for me. Though LTF cards are good, but they also increase leverage, which may hinder my chances to get other cards I want.
 
I don't plan on any more ICICI cards. In my CIBIL report, they all show as separate accounts and unnecessarily increase my credit exposure. Also ICICI cards do not add any more benefit for me. Though LTF cards are good, but they also increase leverage, which may hinder my chances to get other cards I want.
With ICICI , this is how they are shown as different accounts in CIBIL .

1) All gemstones except for Emerald shown as one account
ie. coral, Rubyx and Sapphiro
all rupay, visa , master and amex all are one account
2) each co-branded card as seperate accoun t liker MMT, AMZN etc
3) Each Emeralde varint as a seperate account like , Emeralde Visa, Amex etc..
 
With ICICI , this is how they are shown as different accounts in CIBIL .

1) All gemstones except for Emerald shown as one account
ie. coral, Rubyx and Sapphiro
all rupay, visa , master and amex all are one account
2) each co-branded card as seperate accoun t liker MMT, AMZN etc
3) Each Emeralde varint as a seperate account like , Emeralde Visa, Amex etc..
My CIBIL shows 4 accounts as I am holding Amazon, MMT and Sapphiro (Dual variant - MC and Amex)

I have one question:
Is Sapphiro Dual variant have double benefit like lounge access and BMS ?
if not then I will convert it into Visa variant. Please suggest
 
Is Sapphiro Dual variant have double benefit like lounge access and BMS ?
I am reasonably confident that they have seperate benefits..

you should have only one CIBIL account for both dual variants of your Sapphiro..
when did you get this dual variant cards?
 
Back
Top