ICICI Emeralde Private Metal Card - Investment ask

[theXfactor]

Oh multiple calls. The process is long and the bank people are incompetent.

The process is actually short, just that the bank people are incompetent

 

[theflash]

I was in convo with my RM from last week to get EPM and finally got this mail today. Initially he said its not mandatory to shift the salary account, but now they are saying this.
I am on Imperia banking holding Infinia with HDFC. Confused if I should switch, just in case Infinia Reserve comes up, Imperia banking might give me an edge (just thinking).

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& here I'm having pre-approved Emeralde PVC being shown from today in iMobile after taking Timesblack the upgrade option disappeared....

 

[BVCBVC is verified member.]

& here I'm having pre-approved Emeralde PVC being shown from today in iMobile after taking Timesblack the upgrade option disappeared....

From 2 days I’m getting Emeralde PVC. In Jan 2025 I closed Emeralde PVC. They’re offering in MC, Visa on iMobile & Amex, Visa on Web Portal.

 

[theflash]

From 2 days I’m getting Emeralde PVC. In Jan 2025 I closed Emeralde PVC. They’re offering in MC, Visa on iMobile & Amex, Visa on Web Portal.

Seems to be a shitty reward card imo as per the info shown on app.

 

[theflash]

I have WM but aint maintaining any trv or anything ya family member hs EL sanction of 20L maybe that adds in TRV then idk but the acct is functioning since Oct'23. If they upgrade the PVC to Private Metal then it'll be a steal deal. coz i dont meet the trv or CL or Salary requirements.

 

[BVCBVC is verified member.]

I have WM but aint maintaining any trv or anything ya family member hs EL sanction of 20L maybe that adds in TRV then idk but the acct is functioning since Oct'23. If they upgrade the PVC to Private Metal then it'll be a steal deal. coz i dont meet the trv or CL or Salary requirements.

People are getting paid upgrades to Sapphiro with 80k-90k limit also. Icici wants to mint money from those mediocre cards now.

 

[Credit_Cards]

& here I'm having pre-approved Emeralde PVC being shown from today in iMobile after taking Timesblack the upgrade option disappeared....

both cards are best left untouched PVC and Times

 

[anotheruser]

Any practical benefits in choosing icici direct over zerodha?

No reason. Long back I opened 3 in 1 account and still using it. I tried to find cost to move to a different broker and it didnt seem worth.
But wont suggest to anyone as tech stack (feature and time to market wise) is not upto par.