ICICI Wealth Management Account Holders please share your experience.

[TheTrickySid]

What's the MAB you guys maintaining in your Wealth management account.

And what's would be the ideal mab to prevent it from getting downgraded.
Or any tips to avoid getting the account downgraded without maintaining mab.

 

[AritraSaha]

Rupay Platinum dc ka pin set mat karna bas

Visa platinum kuch din bat automatically block ho jayega..

 

[Akashn]

Visa platinum kuch din bat automatically block ho jayega..

@imdjay Batao kuch jugaad 😂

 

[AritraSaha]

@imdjay Batao kuch jugaad 😂

Are mane vhi pin set nahi kia tha.. kuch din baad sirf rupay platinum show kar hara thaa..

Fir pin set kia.. the visa card got blocked..

 

[NShah]

Visa platinum kuch din bat automatically block ho jayega..

1 month ho gya rupay dc lekar visa close nahi hua
Kab hota hai close ?

 

[AritraSaha]

1 month ho gya rupay dc lekar visa close nahi hua
Kab hota hai close ?

I can't remember exactly..
One time For verification it was debit card grid.. an only the rupay platinum is showing..

 

[imdjay]

Are mane vhi pin set nahi kia tha.. kuch din baad sirf rupay platinum show kar hara thaa..

Fir pin set kia.. the visa card got blocked..

Mere pass 3 cards ho gaye the.
Account upgrade kerwaya tha toh new cards milte the.
I used to utilise all of them and after a year for one card they charged me. I called them and they happily refunded the charges also closed the old card.
Ab pata nahi how can you utilise this.

 

[ksen13]

Just noticed one thing though....

People are eager to close their WM account with Icici cause it's no longer zero balance ( though they can opt for Privilege Banking if they are maintaining 1 L above and technically it would be zero balance again); what I am trying to saying is being on this forum for over a year and half now, I have noticed that people take Icici for granted; in the sense; ki agar zero balance nhi de rhe toh account close karunga.

But on the other hand when it comes to Hdfc; nobody even asks of having a zero balance. Sab chup chap jaake balance wala acc kholte hai (and then register for CLassic/ preferred or whatsoever)

Is it cause of the Marketing tactics of these Banks; or is it that since Icici was always lenient in downgrading people; and so people are now furious that they have been downgraded; but if Hdfc would have done the same thing; they probably wouldn't have cared. Ulta Branch me aake Classic Banking ke liye negotitate karte aur acc maintain karte

I completely agree you same opinion from my end...
Just notice icici privilege and HDFC classic both have 1 LACS amb criteria
Since Hdfc never downgrades account ( till now no complaint from anyone in this forum yes I think some people's account of this forum have been converted into vishesh banking as vishesh banking & hdfc classic are same

But in icici no such benefits of keeping HNI account as their credit & Debit cards are just useless (except Apay)interest rates are also use less
So what's the benefit of keeping HNI ACCOUNT IN ICICI
When people convert there normal accounts to HNI ACCOUNTS just for better service from branch and also a good credit card & then they doesn't care that whether the account gets downgraded and etc ..and also if the account get downgraded then people will close them obivously

But in HDFC if the account get downgraded people will not close them as HDFC is not like icici

Yes we can consider that icici mobile banking app is just amazing compared to hdfc .
Hdfc is poor in technology like sbi Their mobile banking & net banking is useless

 

[xvd1]

My Wealth account got downgraded. The app colour changed to maroon/red and account shows MAB required as 25k. The account was opened as a WM account and has decent amount maintained. Is this happening with others as well? What can be done?

 

[TheTrickySid]

My Wealth account got downgraded. The app colour changed to maroon/red and account shows MAB required as 25k. The account was opened as a WM account and has decent amount maintained. Is this happening with others as well? What can be done?

What do you mean by decent??

 

[Deleted member 11974]

My Wealth account got downgraded. The app colour changed to maroon/red and account shows MAB required as 25k. The account was opened as a WM account and has decent amount maintained. Is this happening with others as well? What can be done?

yes
start maintaining 25L and you will be auto upgraded

 

[CardCraftsman.]

What do you mean by decent??

+ 1 .

 

[SSV]

. Is this happening with others as well?

I have a decent amount of 18L in FD .. and downgrade didn't happen to me...

How much decent amount you are maintaining...??

What can be done?

Maintain More Decent amount ...

 

[TheTrickySid]

I have a decent amount of 18L in FD .. and downgrade didn't happen to me...

How much decent amount you are maintaining...??




Maintain More Decent amount ...

I've maintained way below than you still currently in wealth.

 

[SSV]

I've maintained way below than you still currently in wealth.

Good on you..
I was aiming for emeralde before..
Now that I got infy , I will take out most of the funds from ICICI..

 

[SpiesCan'tCatchMe]

Good on you..
I was aiming for emeralde before..
Now that I got infy , I will take out most of the funds from ICICI..

Make is 18₹ from 18 lakhs plz for 1 day and call rm once again to get you emralde ltf based on your relationship

 

[SpiesCan'tCatchMe]

Actually I don't need to maintain any HNI banking programs in any big banks now as I already got Infinia with imperia based on ULIP..
So I have freed up more than 30 L from both ICICI and HDFC.. I will maintain minimal amounts only in both these banks..

You can ball park the sum in various banks you deem worthy and get their super premium cards ltf and then invest the amount in a good plce

 

[SSV]

You can ball park the sum in various banks you deem worthy and get their super premium cards ltf and then invest the amount in a good plce

That's whole idea.. and implementing already

 

[vijay.vj]

Actually I don't need to maintain any HNI banking programs in any big banks now as I already got Infinia with imperia based on ULIP..
So I have freed up more than 30 L from both ICICI and HDFC.. I will maintain minimal amounts only in both these banks..

How much premium per year & which ULIP plan...

My fight for Emeralde LTF is still going on.
They ask for 2 Cr NRV as a requirement. I'm having 1.25 Cr NRV currently with them.

Trying to somehow push BM to get it done via some higher management approvals

 

[Deleted member 11974]

Actually I don't need to maintain any HNI banking programs in any big banks now as I already got Infinia with imperia based on ULIP..
So I have freed up more than 30 L from both ICICI and HDFC.. I will maintain minimal amounts only in both these banks..

invest via bank brokers into etfs or direct stocks according to your appetite and maintain nrv this way
you can negotiate for ltf ccs

 

[SSV]

invest via bank brokers into etfs or direct stocks according to your appetite and maintain nrv this way
you can negotiate for ltf ccs

Sure will do. Thanks for the advice..