Good Day Everyone,
Just thought of doing a small write-up on my journey with icici bank. So, those of you who don't know me, I am just another credit card enthusiast like you are. I started my journey with ICICI bank, some 6 years ago when I was offered an LTF Jet Airways Rubyx credit card with a limit of 60k, fast forward a couple of years and I was given my first upgrade to MMT Signature, and the upgrade offer showed a One time Fees of 2500, but I was never charged that fees and I also received my MMT vouchers too 🙂 . Then in the year 2020, I applied for an Apay card from amazon which is default LTF, fast forward to end of 2021 , I got my first LE offer from 60k to 180K , which I declined, within 3 months I got another offer from 60k to 14.7 Lakhs, the first thing I did was counted the zeros and opted for the LE this was in the month of March 2022 I guess, This is when the hunt for Emeralde LTF started, I escalated everywhere starting from Twitter to PNO, rejection everywhere. This is when I decided to try the classic old way via branch , I have known the BM since long as he is a family friend, first thing he did was to get me LTF Sapphiro ( with a limit of 23.7 lakhs) based on my employer and salary, and I also converted my salary account with ICICI to a wealth Salary account , started pumping some money to my icici direct account and kept my pursuit for Emeralde active all this while . Finally in the month of February there was a breakthrough and My BM patched me in call with Regional Head as even he got frustrated with my nagging about Emeralde ;P . This is when I realized I have almost won the game , he asked to write a mail attaching relevant documents like salary slips , ITR. Within a week of sending this mail , I got a approval call from the BM stating that I can apply for the card and it will be processed as LTF . So I went to branch and applied for the Emirates Emeralde Credit Card , and as he mentioned , the final stage of the application showed the card as Life Time Free, the card got processed and delivered in a week ( limit of 36 Lakhs)
I have also taken approval for Vanilla Emeralde LTF, and I will be starting the process by next month.
So this is a small write-up on my journey with ICICI from 60K to 36L in 6 and half a years.
This is how my ICICI portfolio looks now.
Just thought of doing a small write-up on my journey with icici bank. So, those of you who don't know me, I am just another credit card enthusiast like you are. I started my journey with ICICI bank, some 6 years ago when I was offered an LTF Jet Airways Rubyx credit card with a limit of 60k, fast forward a couple of years and I was given my first upgrade to MMT Signature, and the upgrade offer showed a One time Fees of 2500, but I was never charged that fees and I also received my MMT vouchers too 🙂 . Then in the year 2020, I applied for an Apay card from amazon which is default LTF, fast forward to end of 2021 , I got my first LE offer from 60k to 180K , which I declined, within 3 months I got another offer from 60k to 14.7 Lakhs, the first thing I did was counted the zeros and opted for the LE this was in the month of March 2022 I guess, This is when the hunt for Emeralde LTF started, I escalated everywhere starting from Twitter to PNO, rejection everywhere. This is when I decided to try the classic old way via branch , I have known the BM since long as he is a family friend, first thing he did was to get me LTF Sapphiro ( with a limit of 23.7 lakhs) based on my employer and salary, and I also converted my salary account with ICICI to a wealth Salary account , started pumping some money to my icici direct account and kept my pursuit for Emeralde active all this while . Finally in the month of February there was a breakthrough and My BM patched me in call with Regional Head as even he got frustrated with my nagging about Emeralde ;P . This is when I realized I have almost won the game , he asked to write a mail attaching relevant documents like salary slips , ITR. Within a week of sending this mail , I got a approval call from the BM stating that I can apply for the card and it will be processed as LTF . So I went to branch and applied for the Emirates Emeralde Credit Card , and as he mentioned , the final stage of the application showed the card as Life Time Free, the card got processed and delivered in a week ( limit of 36 Lakhs)
I have also taken approval for Vanilla Emeralde LTF, and I will be starting the process by next month.
So this is a small write-up on my journey with ICICI from 60K to 36L in 6 and half a years.
This is how my ICICI portfolio looks now.
