Yes that would be a great combo. Just that you won’t get additional vouchers beyond the limit on EPM as against Infinia where even addon will get you additional limits. But EPM+DCBM combo works great.
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Should we switch from HDFC Infinia Metal to ICICI Emeralde Private Metal ?
- Thread starter bhaveshbhai
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- infinia infinia metal metal private
Yes. That's what I had been thinking.
Guys how are you getting epm to combine with DCB or Infinia.
Here people are not getting Infinia forgot epm.
Here people are not getting Infinia forgot epm.
Some folks have both Infinia and EPM
My BM called me and asked for very huge amount Deposits for march ending and promised me that he will get me EPM
Without salary of 3Lpm, I am not sure they would be able to get the approval even with deposits.
With the required salary I think it becomes a matter of willingness of BM.
I qualify salary requirement by a huge margin, but My BM is trying to get me put money which will never gonna happen
Itna kitna maang raha hai
shu_sha
TF Ace
50 peti mang raha hai kya 😄
Emeralde Metal ke liye to khokhe me baat hoti
A couple of days back Wealth & Private RMs visited me and they were trying to convince me to upgrade my relationship. I told them I wouldn’t do that unless I see any benefits in doing so. Private wala RM told me that I would be getting a private DC for certain lounges accesses which i wouldn’t really need and locker at about 45% discount and investment advice. Eligibility for private relationship- >2 Cr (incl. home loans, deposits and other investments) and or about 5L net salary blah blah. I told him that i was not eligible for it and benefits weren’t worth it. If you are an Imperia customer in HDFC you are eligible for a free locker of any size ofcourse subject to the availability. Investment advice is something I would definitely not need.
In the end, Wealth RM suggested me to get myself upgraded to Wealth but I told him that I would neither be moving my salary account to ICICI nor would I be able to promise any relationship. He said - “ No sir it’s fine, i would simply need your consent to upgrade and nothing else. Just sign the form.”
These RMs will ask sky and mountains but do what you think is right. No card or relationship is worth the ask. And Right people know how to get it done regardless, just that they are hard to come across.
In the end, Wealth RM suggested me to get myself upgraded to Wealth but I told him that I would neither be moving my salary account to ICICI nor would I be able to promise any relationship. He said - “ No sir it’s fine, i would simply need your consent to upgrade and nothing else. Just sign the form.”
These RMs will ask sky and mountains but do what you think is right. No card or relationship is worth the ask. And Right people know how to get it done regardless, just that they are hard to come across.
No for nothing. Wealth RM wanted to meet me in person and I consented.
Holding a few cards - Infinia and EPM being the primary duo.
Nicely said.
Regarding emergency expenses, do you also keep 6 months of expenses as fd?
Yes, I have FD in other banks, not in ICICI (if that’s what you were trying to ask)
1 khokha bola, mai bhi bol diya 1 khokha hota to tere ko muh bhi lagata
Not many are aware, ICICI allows add-on cards for 12+ old and is perhaps the only bank to do so…one of the things to be considered. This also comes with a named priority pass for your minors.
This is a good to have aspect of ICICI cards, works for me.
This is a good to have aspect of ICICI cards, works for me.
Yes. Agreed also to note - Airport lounge needs 75k spend in previous quarter for most of their cards (barring emeralde) + also there is a yearly charge of Rs 200 per add on card.
Is this spend criteria also applicable on times black card?
Not applicable for TB i think.
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