Premium Credit Card with c2c application

[bhavik886151]

The HDFC Biz Black Card can be easily obtained as a floater card. To be eligible, you must have any core HDFC credit card with a minimum credit limit of ₹6 lakhs. Once this requirement is met, you can request the Biz Black Card from the bank, and approval is usually straightforward.

That's why I mentioned that getting the BizBlack Card would be easy.

yes but i have Money back plus from 1 year with 50k limit no LE or upgrade provided then when these business card launch i visit the bank and they ask me to close money back and assured me to provide bizpower as bizblack is out of my ITR so i take the bizpower now when i try for second card they said only marriot or pixel can be provided and there is very rare chance of their upgrade to premium card

 

[NOOB_ui]

If you are self-employed, ICICI Bank and HDFC Bank are the best options for getting premium credit cards.

• HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card.
• ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally, the Emeralde (plastic version) might be available as a lifetime free card based on your income tax returns (ITR).
• Emeralde Private Metal Edition: If you somehow upgrade your ICICI account to Private Banking, you may also be eligible for the Emeralde Private Metal Edition card.

Other banks also offer good credit cards, but approvals largely depend on your ITR. Nowadays, super-premium cards are rarely issued on a "card-to-card" basis. While banks allow applications via this method, approvals are still based on your ITR and credit score (CIBIL), making the "card-to-card" method mostly ineffective.

I am sharing this based on my personal experience, as I recently faced the same situation.

Hi, are you sure about HDFC offering BizBlack on new current account creation?

 

[NOOB_ui]

You may get the card as lifetime free if you have a strong relationship with ICICI Bank. Simply put, if your Total Relationship Value (TRV) exceeds ₹50 lakh, you can easily request the bank to offer the Emeralde card as a lifetime free benefit. With such a high TRV, you automatically qualify as a Wealth customer, and some Wealth customers have received this card as lifetime free. In many cases, it even appears as a pre-approved offer.

If not, you can ask your Relationship Manager (RM) to submit a request on your behalf. The eligibility for a lifetime free premium card from ICICI Bank depends entirely on your banking relationship. If you are a new customer, the bank will likely ask for your ITR or salary slip to determine eligibility before issuing the card.

Are you sure about ICICI offering Emeralde card as LTF with over 50L TRV because I have that and they were only offering Sapphiro as LTF

 

[Dr.Anand456Dr.Anand456 is verified member.]

Hi, are you sure about HDFC offering BizBlack on new current account creation?

Yes, if you’re eligible, you may be offered the Biz Black card even the first time you apply.

 

[Dr.Anand456Dr.Anand456 is verified member.]

Are you sure about ICICI offering Emeralde card as LTF with over 50L TRV because I have that and they were only offering Sapphiro as LTF

Yes, absolutely. In fact, some people have received a lifetime free offer even with a lower Total Relationship Value (TRV) than this. If you’re pre-approved, it usually shows up under i mobile app. And if your TRV is over ₹50 lakhs, you can try visiting a new branch and talk to the branch manager about switching your account there — they might offer you the Emeralde card as lifetime free.

 

[aniketkr.sharma]

Hello community

i am self employed have ITR of 24 Lakh
looking for high end credit card ok with fees with C2C against my AMEX MRCC with limit of 5.52 lakh or with 24 Lakh ITR

other card i have with there limit
1.Amex paltinum travel - 4.8 lakh
2. Amex gold charge
3. ICICI coral - 1 lakh
4.ICICI Apay - 1 lakh
5.HDFC BIZPOWER - 3 lakh
6.SBI Reliance Prime - 3.15 lakh
7.HDFC freedom recently get in hope will upgrade to regila or DCP but some one here said that will never happen so not activated
8.IDFC First Business - 1.4 lakh

Have company account with ICICI and Axis and saving account with AXIS

suggestion and agent contact will appreciated

As you listed you have apay & coral.

See on upgrade card option there must be emeralde pvc, as i am getting it visible third time.

1. Taken it in 2023 and then didn't activated
2. Taken in January 2025 again didn't activated.
3. Again it's visible for upgrade to emeralde pvc

 

[NOOB_ui]

Yes, if you’re eligible, you may be offered the Biz Black card even the first time you apply.

Can you dm me regarding this? I have been trying to get it since months

 

[bhavik886151]

As you listed you have apay & coral.

See on upgrade card option there must be emeralde pvc, as i am getting it visible third time.

1. Taken it in 2023 and then didn't activated
2. Taken in January 2025 again didn't activated.
3. Again it's visible for upgrade to emeralde pvc

i check that section regularly butt always Rubyx, HPCL super saver and Sapphiro also all are paid card i see ever time( HPCL is FYF only)

also contact the Bank they said i an get the Emerald PVC but have to pay fees so waiting for at least FYF offer or something as 10000 fees for i is too much for its reward rate

 

[aniketkr.sharma]

i check that section regularly butt always Rubyx, HPCL super saver and Sapphiro also all are paid card i see ever time( HPCL is FYF only)

also contact the Bank they said i an get the Emerald PVC but have to pay fees so waiting for at least FYF offer or something as 10000 fees for i is too much for its reward rate

No, they will never generate emeralde pvc, I already tired of it getting it third time with joining & annual fees.

You have to wait till eternity.

 

[Bodhi]

Yes, absolutely. In fact, some people have received a lifetime free offer even with a lower Total Relationship Value (TRV) than this. If you’re pre-approved, it usually shows up under i mobile app. And if your TRV is over ₹50 lakhs, you can try visiting a new branch and talk to the branch manager about switching your account there — they might offer you the Emeralde card as lifetime free.

I am aware of getting pre-approved Emeralde LTF offers for less TRV. But do you know of any case where a customer with 50L TRV got Emeralde (PVC) LTF not via pre-approved offer? Please share details @Dr.Anand456
Thanks

 

[Dr.Anand456Dr.Anand456 is verified member.]

I am aware of getting pre-approved Emeralde LTF offers for less TRV. But do you know of any case where a customer with 50L TRV got Emeralde (PVC) LTF not via pre-approved offer? Please share details @Dr.Anand456
Thanks

I haven't seen a case where the Emeralde card has been offered as a lifetime free card purely on the basis of TRV (Total Relationship Value). However, there are chances of getting it. If people can get it with a lower TRV, then it's definitely possible when your TRV is higher. And as I’ve said before, a lot in ICICI Bank also depends on your luck.

 

[Bodhi]

If people can get it with a lower TRV, then it's definitely possible when your TRV is higher.

Thank you for the reply @Dr.Anand456
Lower and higher range would connote to approximately how much, please?
One of my relatives is inclined on getting Emeralde LTF.
This relative is a Private account holder (via family grouping not salary, loan, etc.) but doesn't hold much TRV or any primary credit card with ICICI or any other bank. Would like to apply via relationship route not via ITR/salary slip. Suggestions would be much appreciated.
Thanks

 

[Dr.Anand456Dr.Anand456 is verified member.]

Thank you for the reply @Dr.Anand456
Lower and higher range would connote to approximately how much, please?
One of my relatives is inclined on getting Emeralde LTF.
This relative is a Private account holder (via family grouping not salary, loan, etc.) but doesn't hold much TRV or any primary credit card with ICICI or any other bank. Would like to apply via relationship route not via ITR/salary slip. Suggestions would be much appreciated.
Thanks

Yes, if you have a good relationship with ICICI Bank—meaning if you are a Wealth or Private Banking customer—you can directly apply for any card or service through your branch manager or relationship manager. While approval is not guaranteed, your chances of getting financial products like credit cards or loans increase significantly based on your Total Relationship Value (TRV) with the bank. Personally, I also try to apply for everything in ICICI Bank based on my TRV, and most of the time, I end up getting approved.

 

[Bodhi]

Yes, if you have a good relationship with ICICI Bank—meaning if you are a Wealth or Private Banking customer—you can directly apply for any card or service through your branch manager or relationship manager. While approval is not guaranteed, your chances of getting financial products like credit cards or loans increase significantly based on your Total Relationship Value (TRV) with the bank. Personally, I also try to apply for everything in ICICI Bank based on my TRV, and most of the time, I end up getting approved.

Thanks @Dr.Anand456

Approximately, how much (least) TRV would be sufficient for one to hold in order to get an Emeralde LTF based only on relationship?

 

[Dr.Anand456Dr.Anand456 is verified member.]

Thanks @Dr.Anand456

Approximately, how much (least) TRV would be sufficient for one to hold in order to get an Emeralde LTF based only on relationship?

I can't specify the exact amount, but your Total Relationship Value (TRV) should be at least more than ₹30 lakhs.

 

[bhavik886151]

I can't specify the exact amount, but your Total Relationship Value (TRV) should be at least more than ₹30 lakhs.

i have current account with ICICI for 5 year one and half year back i take OD of 31 lakh with ICICI
as march is stress full month for the bank employee for target i ask my RM to get me Emeralde for LTF he said it not possible so i asked for atleast FYF he tried for it but it not successful so the offer of credit card with LTF or FYF is totally bassed on your luck

even i try for sapphiro and that also not given me as LTF or FYF

 

[aniketkr.sharma]

i have current account with ICICI for 5 year one and half year back i take OD of 31 lakh with ICICI
as march is stress full month for the bank employee for target i ask my RM to get me Emeralde for LTF he said it not possible so i asked for atleast FYF he tried for it but it not successful so the offer of credit card with LTF or FYF is totally bassed on your luck

even i try for sapphiro and that also not given me as LTF or FYF

You can take paid emarlde metal, no harm in that

 

[InfamousInfamous is verified member.]

How often do the offers in iMobile app refresh? Was stuck at the same offer for months until I got Apay.

 

[aniketkr.sharma]

How often do the offers in iMobile app refresh? Was stuck at the same offer for months until I got Apay.

2 months, if you take an offer otherwise it's stuck with same offer

 

[InfamousInfamous is verified member.]

2 months, if you take an offer otherwise it's stuck with same offer

No time period for expiry or is it just random