ICICI Credit Card ICICI Emeralde Private Metal Credit Card LTF

[sourpai]

Yes, that's how it is.

I don't think it can be generalised.... If it was the case, everyone would have same experience. I think there are many people on this forum itself who have more than 5L CL and not on wealth banking

 

[BVCBVC is verified member.]

I don't think it can be generalised.... If it was the case, everyone would have same experience. I think there are many people on this forum itself who have more than 5L CL and not on wealth banking

Wealth I have mentioned above 8L, Privilege 5L. Please go through my earlier post.

 

[sourpai]

Wealth I have mentioned above 8L, Privilege 5L. Please go through my earlier post.

5L was a typo.. no point in editing the post now... But the point is that it cannot be generalised for ICICI

 

[BVCBVC is verified member.]

5L was a typo.. no point in editing the post now... But the point is that it cannot be generalised for ICICI

Can you share experiences who didn’t have? Do you have same problem? Because I am sharing it on my personal experiences and some experiences I saw on TF.

 

[aashishnb]

TRV : Absolutely nothing , I hold EPM and timesblack already along with a old savings account not much balances. I had a chat with the private banking team about possible business we can give them and some institutional deals which might happen. This happened around a week ago . Team offered us true private banking accounts with 0 IP values and got cards got approved within 3-4 working days.

This is the reason you got it.
They're looking at much much larger business.

 

[Anindya98]

@Anindya98 @SSV

They can help you out I guess. I don’t have account so I won’t be able to give complete clarity.

4 Lounge Access with Wealth Select Visa Infinite DC, Wealth management team access, and all ICICI Banking products at discounted rates without any processing fees. Nothing special and you get access to new products before general customers.

I don't think it can be generalised.... If it was the case, everyone would have same experience. I think there are many people on this forum itself who have more than 5L CL and not on wealth banking

Can you share experiences who didn’t have? Do you have same problem? Because I am sharing it on my personal experiences and some experiences I saw on TF.

I have Wealth Management Account with them since March 2024, As I already had a 4.2L limit on my ICICI CC it is 0 MAB for me. It depends on the branch and your perseverance in getting the account. After getting Times Black they upgraded it to Private as I will not activate the card it will automatically get downgraded to WM only added advantage is I get the Wealth Select DC LTF till renewal.
In Banking Industry nothing can be generalised Criteria varies from person to person. As I shared my experience with 1.05L IF and my CC Limit I got the WM account with 0 MAB.

 

[cardio_guycardio_guy is verified member.]

If we get Emeralde LTF based on TRV and later withdraw the mutual funds or deposits, will they make the card chargeable?

 

[Bodhi]

.
In Banking Industry nothing can be generalised Criteria varies from person to person. As I shared my experience with 1.05L IF and my CC Limit I got the WM account with 0 MAB.

Well put forth @Anindya98

 

[Bodhi]

If we get Emeralde LTF based on TRV and later withdraw the mutual funds or deposits, will they make the card chargeable?

Don't think so

 

[EverybodyEverybody is verified member.]

Once LTF, Always LTF.

If we get Emeralde LTF based on TRV and later withdraw the mutual funds or deposits, will they make the card chargeable?

 

[shu_sha]

ICICI gives Wealth banking (On 8L above CL), Privilege Banking on (5-6L Above CL) and may be Private Banking on (10-12L on CL) on credit cards even without maintaining accounts or MAB in accounts.

True Private/Wealth/Privilege means getting status with maintaining TRV and relationship with bank. Now as per @elite34700 he got True Private status without maintaining TRV.

Now coming to difference in First case even though you get status banking your privileges will be limited, but in second case your privileges will be high.

Don't think so this might be the case with ICICI Bank
Have Sapphiro card with 13.5L CL since last three years
Icici didn't upgraded my Previlage account to WM in last two years until I put some good TRV and the account got upgraded to WM since last year

 

[Anindya98]

If we get Emeralde LTF based on TRV and later withdraw the mutual funds or deposits, will they make the card chargeable?

No, it will remain LTF.

 

[Nishan11]

If we get Emeralde LTF based on TRV and later withdraw the mutual funds or deposits, will they make the card chargeable?

No, it will remain LTF.

This is one of the few good things about ICICI.

 

[Bodhi]

This is one of the few good things about ICICI.

- Agree !

 

[RDR]

ICICI gives Wealth banking (On 8L above CL), Privilege Banking on (5-6L Above CL) and may be Private Banking on (10-12L on CL) on credit cards even without maintaining accounts or MAB in accounts.

True Private/Wealth/Privilege means getting status with maintaining TRV and relationship with bank. Now as per @elite34700 he got True Private status without maintaining TRV.

Now coming to difference in First case even though you get status banking your privileges will be limited, but in second case your privileges will be high.

I have a wealth account with ICICI. I don’t see the option for Wealth debit card in the iMobile app. Can anyone pls share how to get the wealth debit card?

 

[kvndsz512]

ca

I have a wealth account with ICICI. I don’t see the option for Wealth debit card in the iMobile app. Can anyone pls share how to get the wealth debit card?

call customer care and tell them to issue it

 

[kvndsz512]

I just got 5 EPM cards approved, team promised that they will make them LTF this year . I didnt ask for LTF cards considering points and taj stay benefit. Mostly this LTF conversion should happen by August. Will keep this thread updated.

so u paid 12.5k + gst x 5 ? xD what if they dont convert them to ltf? would u close or keep them?

 

[elite34700]

so u paid 12.5k + gst x 5 ? xD what if they dont convert them to ltf? would u close or keep them?

Looking at the bigger picture bro, having high credit limits which won't be downgraded and an invite only card in the long run matters rather than paying a tiny amount as fee.

 

[abhiaj98]

Looking at the bigger picture bro, having high credit limits which won't be downgraded and an invite only card in the long run matters rather than paying a tiny amount as fee.

I mean it only returns 3% right. Is it that premium even?

 

[BVCBVC is verified member.]

I mean it only returns 3% right. Is it that premium even?

-Annual benefits 12500 points for annual fees
- BOGO BMS
- Milestone Benefits
- 3% Returns (Best from ICICI)