Hello everyone,
I wanted to share my experience with ICICI Bank regarding an issue with the Emeralde Credit Card offer I received and seek advice on how to proceed.
In December 2024, I received an offer in the iMobile app for the ICICI Emeralde Credit Card as Lifetime Free (LTF). I was shocked because it’s a premium card, and currently, I already hold the following LTF ICICI credit cards:
ICICI Coral LTF
Coral Rupay LTF
Sapphiro Dual LTF
Amazon Pay CC
Since the app didn’t allow screenshots, I took a picture of the offer using another phone (thankfully). Excited, I shared it with friends and also called ICICI customer care to confirm. They told me:
> “If the offer is showing in the app, then it is valid. However, we cannot check what offers you see in your app from our end.”
The next day, I reconfirmed with customer care, and again, they assured me:
> “If the offer is showing in the app, you are eligible for it.”
So, I applied, got the card, and was not charged any joining fee initially. However, after one statement cycle, at the end of January, I was suddenly charged a joining fee. I immediately called customer care and raised a dispute.
Their response? They claim nothing can be done, even after escalation. They even stated that their RBI executive confirmed this decision and that I would have to pay the fee.
This is extremely disappointing, and I feel misled. I am considering raising a complaint with the RBI Ombudsman, but I need advice on the best way to approach this.
Has anyone faced a similar issue with ICICI or other banks?
What’s the best way to escalate this effectively?
Any insights on how to draft my RBI Ombudsman complaint?
Any help would be appreciated! @TechnoFino @bhavyegoel @Subhankar @ashwink @SSV @BVC @jatinkrmalik @telescope
I wanted to share my experience with ICICI Bank regarding an issue with the Emeralde Credit Card offer I received and seek advice on how to proceed.
In December 2024, I received an offer in the iMobile app for the ICICI Emeralde Credit Card as Lifetime Free (LTF). I was shocked because it’s a premium card, and currently, I already hold the following LTF ICICI credit cards:
ICICI Coral LTF
Coral Rupay LTF
Sapphiro Dual LTF
Amazon Pay CC
Since the app didn’t allow screenshots, I took a picture of the offer using another phone (thankfully). Excited, I shared it with friends and also called ICICI customer care to confirm. They told me:
> “If the offer is showing in the app, then it is valid. However, we cannot check what offers you see in your app from our end.”
The next day, I reconfirmed with customer care, and again, they assured me:
> “If the offer is showing in the app, you are eligible for it.”
So, I applied, got the card, and was not charged any joining fee initially. However, after one statement cycle, at the end of January, I was suddenly charged a joining fee. I immediately called customer care and raised a dispute.
Their response? They claim nothing can be done, even after escalation. They even stated that their RBI executive confirmed this decision and that I would have to pay the fee.
This is extremely disappointing, and I feel misled. I am considering raising a complaint with the RBI Ombudsman, but I need advice on the best way to approach this.
Has anyone faced a similar issue with ICICI or other banks?
What’s the best way to escalate this effectively?
Any insights on how to draft my RBI Ombudsman complaint?
Any help would be appreciated! @TechnoFino @bhavyegoel @Subhankar @ashwink @SSV @BVC @jatinkrmalik @telescope
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