Icici Emeralde Card: Renew or Close

[agrawalshishir]

Hi i am having ICICI Emeralde alongwith Infinia, Axis Magnus, Vistara Infinite Axis, I was wondering is it worth paying fees for ICICI emeralde.

I do occassionally get some discounts such as on BMS, Swiggy etc but does it justify paying 10k+ Taxes as most of my transactions are diverted on other cards.

 

[jack333]

I tried finding out this information online and via RM, etc. but couldn't find any.

I request you to please confirm the source and any instance where a Wealth Select customer received an Emeralde card FYF or LTF based on the above-mentioned criteria.

Thank you @jack333

Someone in this community god LTF Emeralde with 30 lakh deposit only. Other guy i know got with TRV of 1 cr. It all depends upon the RM. They have to take approval and show to their zonal manager how important the customer is

 

[Bodhi]

Someone in this community god LTF Emeralde with 30 lakh deposit only. Other guy i know got with TRV of 1 cr. It all depends upon the RM. They have to take approval and show to their zonal manager how important the customer is

Thank you for the reply @jack333

Regarding Wealth Select account - are you sure 25L initial funding can get you that account? Is Select also 0 MAB like Wealth management?

 

[manzb]

If both these don't work you can get on fd of 1cr

FD of 1 Cr to get a credit card? That is the worst way to waste money. If one is so much interested, it is cheaper to pay the fees of 12K.

 

[jack333]

Thank you for the reply @jack333

Regarding Wealth Select account - are you sure 25L initial funding can get you that account? Is Select also 0 MAB like Wealth management?

Yes sure

 

[0xfallup]

The cashback translates to 4% for icici rewards.

It is the same platform reward360 like magnus n infinia.

Lets try for LTF.

any update?

 

[h2v]

You can get FYF Emeralde with wealth select account with 25 lakhs and LTF with TRV of 1Cr

Is this still the case? When I spoke with my RM, they mentioned that they can give it LTF if my TRV exceeds 2Cr.

 

[Deleted member 11974]

Is this still the case? When I spoke with my RM, they mentioned that they can give it LTF if my TRV exceeds 2Cr.

mr rm agreed to give it as ltf on a 50L fd

 

[Deleted member 11974]

The cashback translates to 4% for icici rewards.

It is the same platform reward360 like magnus n infinia.

Lets try for LTF.

did you get it convereted to LTF or cancelled it?

 

[h2v]

mr rm agreed to give it as ltf on a 50L fd

Okay. RM was ready to give it as FYF, but not as LTF unless my TRV exceeds 2Cr.
I think I will have to pull the plug on my relationship with ICICI. It's my salary account, opened 3 useless ULIPs with them, my PPF, my MutFund mandates, my term insurance, and a few other junks, and a long 15+ years of relationship with them. If they can't give me this card as LTF, then it's absolutely useless to continue my relationship with them.

 

[Deleted member 11974]

Okay. RM was ready to give it as FYF, but not as LTF unless my TRV exceeds 2Cr.
I think I will have to pull the plug on my relationship with ICICI. It's my salary account, opened 3 useless ULIPs with them, my PPF, my MutFund mandates, my term insurance, and a few other junks, and a long 15+ years of relationship with them. If they can't give me this card as LTF, then it's absolutely useless to continue my relationship with them.

i understand you
have a 25 relation with them
was the branches first wealth management acc backj then
and now they cant process it as ltf
very irritating

 

[manzb]

i understand you
have a 25 relation with them
was the branches first wealth management acc backj then
and now they cant process it as ltf
very irritating

Same here.. with home loans etc added.. no Emeralde ..

But few months back they pushed the Sapphiro LTF with a whooping 20 lacs limit .. I just use it for only if there is special discount for using ICICI cards.. and occasionally at lounges

 

[Deleted member 11974]

Same here.. with home loans etc added.. no Emeralde ..

But few months back they pushed the Sapphiro LTF with a whooping 20 lacs limit .. I just use it for only if there is special discount for using ICICI cards.. and occasionally at lounges

Same story

 

[jack333]

Same here.. with home loans etc added.. no Emeralde ..

But few months back they pushed the Sapphiro LTF with a whooping 20 lacs limit .. I just use it for only if there is special discount for using ICICI cards.. and occasionally at lounges

How you got 20l limit?