How to get Emerald Private Metal Card

[Swastik]

Last year ICICI increased my limit from 5.1L to 6.1L ,since then I'm getting an upgrade offer to Emerald PVC Paid ,before it used to be Saphiro Paid ,

I tried calling customer care for it ,he said to visit branch ,

Branch lady had no clue about Private Metal Card and tried to push Emerald PVC ,

Emailing customer care ,i got following reply "To upgrade your card like many our previleged customers who are using the premium version of our range of credit cards and ready to avail amazing benefits, please feel free to call us on 1800 1080."

Any idea how i can get Emerald Private Metal, don't mind paying the fees since it gets recovered by points.

Also ,would it help if i take Emerald PVC and then tried to upgrade ?

 

[cardio_guy]

Forget about it, it is not worth it.
Magnus Burgundy, Infinia, Atlas, Airtel, SBI cashback, AU Lit are all better value

100%. I think you or @helloworld have mentioned many times. Emeralde PVC or EPM is not worth, even if it is LTF>
For the same amount of spends, there are a lot of other cards that give much better value back.
ICICI is only usable for instant 10% discounts. If at all something worth is there.

 

[cardio_guy]

Forget about it, it is not worth it.
Magnus Burgundy, Infinia, Atlas, Airtel, SBI cashback, AU Lit are all better value

Sir, I have a question. I am looking at options to change my salary account.
Axis representative told me they can offer Magnus account variant and Select credit card.
HDFC told me they can offer Preferred account variant and Regalia Gold card.
I believe HDFC is better in many terms, Am I missing something otherwise?

 

[helloworld]

Sir, I have a question. I am looking at options to change my salary account.
Axis representative told me they can offer Magnus account variant and Select credit card.
HDFC told me they can offer Preferred account variant and Regalia Gold card.
I believe HDFC is better in many terms, Am I missing something otherwise?

I still agree with this 👇🏽

Post in thread 'Looking for new Salary Account: any suggestions?'

Jul 23, 2024

unless you're getting more than 2.5L/m (for ltf premium card only), all the banks same.

settle with nearby branch and adjust to their functionality. don't expect anything..

• helloworld

• 

Post in thread 'HNI Banking Thread 2024'

Jun 15, 2024

All are same. It depends on branch, people we interact with and their knowledge at bank level. No benefits, and especially if needed credit card apply directly, HNI banking nothing to do with it.

• helloworld

• 

Post in thread 'Moving account to Axis : Burgundy account assistance'

Jul 27, 2024

Just read a few posts,
I need to put this again, people say Axis is shitter in terms of the credit card devaluations and few hiccups related to card blocking and points disbursement.

Coming to pure banking it’s good and compared to HDFC I liked it a lot. HDFC branch runs on fulfilling their targets only. From BM TO RM, everyone is useless until I send an email to grievance.

like you shared your experience with XS and HDF where you found XS is better compared to HDF. Similarly, people share their opinion. Some people mentioned ICCI is good with banking along with IDFC.

So, in...

• helloworld

Post in thread 'Salary account suggestions'

Aug 18, 2024

Axis priority salary account or Hdfc premium salary account.

Which one is better like better perks service, lounge access etc

My inhand salary is around 85- 90k monthly. Is there any other salary account i can opt for from the one I mentioned above. Open for good options as well

Thanks.

the one closer to you.. if both are at same distance

- write down both bank names on separate white papers, fold, toss in the air, pick one..

both are same interms of service, lounge etc.

until your salary crossed >2l in hand (for ltf premium card only), all banks same benefits.

• helloworld

• 
• 

 

[cardio_guy]

I still agree with this 👇🏽

Post in thread 'Looking for new Salary Account: any suggestions?'

Jul 23, 2024

unless you're getting more than 2.5L/m (for ltf premium card only), all the banks same.

settle with nearby branch and adjust to their functionality. don't expect anything..

• helloworld

• 

Post in thread 'HNI Banking Thread 2024'

Jun 15, 2024

All are same. It depends on branch, people we interact with and their knowledge at bank level. No benefits, and especially if needed credit card apply directly, HNI banking nothing to do with it.

• helloworld

• 

Post in thread 'Moving account to Axis : Burgundy account assistance'

Jul 27, 2024

Just read a few posts,
I need to put this again, people say Axis is shitter in terms of the credit card devaluations and few hiccups related to card blocking and points disbursement.

Coming to pure banking it’s good and compared to HDFC I liked it a lot. HDFC branch runs on fulfilling their targets only. From BM TO RM, everyone is useless until I send an email to grievance.

like you shared your experience with XS and HDF where you found XS is better compared to HDF. Similarly, people share their opinion. Some people mentioned ICCI is good with banking along with IDFC.

So, in...

• helloworld

Post in thread 'Salary account suggestions'

Aug 18, 2024

Axis priority salary account or Hdfc premium salary account.

Which one is better like better perks service, lounge access etc

My inhand salary is around 85- 90k monthly. Is there any other salary account i can opt for from the one I mentioned above. Open for good options as well

Thanks.

the one closer to you.. if both are at same distance

- write down both bank names on separate white papers, fold, toss in the air, pick one..

both are same interms of service, lounge etc.

until your salary crossed >2l in hand (for ltf premium card only), all banks same benefits.

• helloworld

• 
• 

Absolutely these linked posts helps. Like you have told many times, It's just a very non-eventful decision.

Just realized that I have only experienced 2-3 banks in the last 15 years.
(SBI - primary bank forever, Citi was a salary account for 12 years but didn't use any service from them. Just salary credited every month and transferred to primary acc, and now ICICI since last 1+ years.)
Going to test waters with other banks in another few years because the work life will end in some more years and I should not feel bad that I didn't try out the other banks out there 🙂

 

[helloworld]

Sir, I have a question. I am looking at options to change my salary account.
Axis representative told me they can offer Magnus account variant and Select credit card.
HDFC told me they can offer Preferred account variant and Regalia Gold card.
I believe HDFC is better in many terms, Am I missing something otherwise?

this might further help, since it came from direct technofino.

Have you ever seen a bank assign an RM to a lower-tier account? No, because they know that if you don't maintain a significant balance, it wouldn't be worth their time.

maintain balance, satisfy bank then only you'll get your requirement otherwise all are same, no changes.

 

[cardio_guy]

this might further help, since it cane from direct technofino.



maintain balance, satisfy bank then only you'll get your requirement otherwise all are same, no changes.

yes I have shared my experience in that post. Amazed by the ways they try to lure you for getting business.