Strange ICICI Account Upgrade to Private Banking because of Times Black Credit Card??

[Dr.Anand456Dr.Anand456 is verified member.]

Yea... ICICI Bank is upgrading customers to private banking for holding certain credit card

View attachment 78429

But it doesn’t seem to offer much benefit. Today, I discussed this matter with my Relationship Manager (RM) and customer care. One issue is that they are refusing to provide the debit cards meant for private banking, stating that they are exclusively for Wealth customers. Additionally, they are categorizing the Wealth account under Private Banking. According to customer care, the Wealth account is their top-tier account, but as per the bank's website, the highest and top-tier account in ICICI Bank is the Private Banking account. Can you tell me what the truth is?

I also asked about the key benefits of upgrading to a Private Banking account. They mentioned that I would receive better offers in the future, get priority in all services, and have a dedicated Relationship Manager. However, I already have these benefits. It’s possible that my current RM might change, as Private Banking customers likely have a separate RM. The website also mentions that there are four different types of RMs for Private Banking customers.

I’m unsure how much benefit this upgrade will actually provide. Still, I’m happy that my Privilege account has been upgraded to Private Banking—it must offer something better in the future. Let’s see what happens.

 

[Sobirvs]

But it doesn’t seem to offer much benefit. Today, I discussed this matter with my Relationship Manager (RM) and customer care. One issue is that they are refusing to provide the debit cards meant for private banking, stating that they are exclusively for Wealth customers. Additionally, they are categorizing the Wealth account under Private Banking. According to customer care, the Wealth account is their top-tier account, but as per the bank's website, the highest and top-tier account in ICICI Bank is the Private Banking account. Can you tell me what the truth is?

I also asked about the key benefits of upgrading to a Private Banking account. They mentioned that I would receive better offers in the future, get priority in all services, and have a dedicated Relationship Manager. However, I already have these benefits. It’s possible that my current RM might change, as Private Banking customers likely have a separate RM. The website also mentions that there are four different types of RMs for Private Banking customers.

I’m unsure how much benefit this upgrade will actually provide. Still, I’m happy that my Privilege account has been upgraded to Private Banking—it must offer something better in the future. Let’s see what happens.

I didn't talk to RM, I talked to cc directly and they raised service req. for debit card. they told me I am eligible for "world" card, i think they meant mastercard world card??

but icici website shows private banking gives infinite card. I wonder what's up here. I am told it's free card and if fee is levied, call them and they will waive it.

Also best thing I liked abt private banking is, if i call icici, it goes directly to customer service rather than their 2-3 mins time waste IVR.

 

[theflash]

I didn't talk to RM, I talked to cc directly and they raised service req. for debit card. they told me I am eligible for "world" card, i think they meant mastercard world card??

but icici website shows private banking gives infinite card. I wonder what's up here. I am told it's free card and if fee is levied, call them and they will waive it.

Also best thing I liked abt private banking is, if i call icici, it goes directly to customer service rather than their 2-3 mins time waste IVR.

That's kinda WM MC W DC

 

[Sobirvs]

btw the way icici has designed their times black app, omg, it's the most beautiful and smooth app I have ever used. If ICICI makes this app their default for all ICICI customers, I can just imagine the bar they will raise for the whole banking industry. All small banks (like dbs etc) who are known for coz their apps are great will go out of business.

I hope ICICI can make their imobile app just like timesblack card app. It's superrrrrrrrr

 

[Sobirvs]

That's kinda WM MC W DC

Ya, but that's what cc guy told me. I might call tomorrow again to confirm this. He told me I have a society based private banking.

 

[nh124001]

maine recently credit limit increase kari hai from 10L to 12.7L uske baad se wealth management dikhayi deraha hai after login

 

[kuchbhikuchbhi is verified member.]

Ya, but that's what cc guy told me. I might call tomorrow again to confirm this. He told me I have a society based private banking.

and no fee has been levied for times black till now right
also applying caused cibil hit?

 

[Dr.Anand456Dr.Anand456 is verified member.]

maine recently credit limit increase kari hai from 10L to 12.7L uske baad se wealth management dikhayi deraha hai after login

I understand that ICICI Bank upgrades accounts based on various factors such as credit card usage, salary, account balance, and total relationship value with the bank. For the exact reason behind an account upgrade, only the customer care team can provide a clear explanation. I asked them today, and they informed me that my account has been completely refreshed, so they are currently unable to provide details. Otherwise, on inquiry, they can usually tell you your total relationship value with ICICI Bank, which gives a good idea of why the upgrade happened.

 

[Sobirvs]

and no fee has been levied for times black till now right
also applying caused cibil hit?

For times black I have heard people getting cibil hit, for me the card was instantly generated with no cibil hit nor they asked for any income , but for some they did so keep that in mind.

and no fee was levied to me atleast but for some it was levied.

 

[Sobirvs]

Update :

Post in thread 'ICICI Bank Times Black Credit Card Launched - Full Details & Review'

Dec 28, 2024

Received priority pass + Times black credit card. Here are the pics. Looks are better than metal onecard but onecard feels better than this, onecard's also a bit heavier compared to this.

• Sobirvs

• 
• 

 

[Sobirvs]

received my private banking infinite card today. Card looks cheap and the card wasn't even straight, it was bended like 20% eww. And they didn't send welcome kit, just debit card. @Dr.Anand456 what's your status?

 

[Dr.Anand456Dr.Anand456 is verified member.]

received my private banking infinite card today. Card looks cheap and the card wasn't even straight, it was bended like 20% eww. And they didn't send welcome kit, just debit card. @Dr.Anand456 what's your status?

I have not yet received the card. I have received the dispatch email, and it might be delivered by tomorrow. I have also submitted a request for the welcome kit. However, the welcome kit mainly includes the debit card and cheque book, and it seems that no welcome letter is included. The welcome letter might only be for new users.

Yesterday, I spoke with my Relationship Manager (RM) and tried to get a call connected to the branch manager regarding the welcome kit, but here the branch manager acts as if he's the Prime Minister—he doesn't even answer calls. Eventually, my RM sent him an email requesting a call within 24 hours. Let's see what happens.

ICICI Bank's service seems to be deteriorating day by day. I’m excited about the debit card, but after reading your review, my excitement has reduced a bit. Let’s see how the overall experience of upgrading to private banking turns out.

 

[ontherocks]

Yea... ICICI Bank is upgrading customers to private banking for holding certain credit card

View attachment 78429

 

[kuchbhikuchbhi is verified member.]

View attachment 79107

yeah bro most of them are LTF and he never bothered closing them 😉

 

[imdjay]

received my private banking infinite card today. Card looks cheap and the card wasn't even straight, it was bended like 20% eww. And they didn't send welcome kit, just debit card. @Dr.Anand456 what's your status?

Did you raise the SR through customer care?
They issued Master again instead of Visa Infinite for me.

 

[Dr.Anand456Dr.Anand456 is verified member.]

received my private banking infinite card today. Card looks cheap and the card wasn't even straight, it was bended like 20% eww. And they didn't send welcome kit, just debit card. @Dr.Anand456 what's your status?

A short while ago, I received the ICICI Bank Private Banking debit card. The build quality of the card isn’t as impressive as expected, but it does look good. The card was delivered to me in perfect condition.

Considering that this is a lifetime free debit card, it’s quite appealing, especially due to the excellent lounge access benefits it offers. Compared to other ICICI Bank debit cards, this one stands out. For example, similar benefits are offered by ICICI Rubyx and Sapphiro cards, but those require an annual fee of up to ₹2,000. In contrast, this card provides similar perks without any cost, making it a great choice as a lifetime free card.

That said, the build quality could certainly be improved. I’m attaching a few photos so you can get an idea of how the card looks.
View attachment 1735649842250.png

 

[imdjay]

A short while ago, I received the ICICI Bank Private Banking debit card. The build quality of the card isn’t as impressive as expected, but it does look good. The card was delivered to me in perfect condition.

Considering that this is a lifetime free debit card, it’s quite appealing, especially due to the excellent lounge access benefits it offers. Compared to other ICICI Bank debit cards, this one stands out. For example, similar benefits are offered by ICICI Rubyx and Sapphiro cards, but those require an annual fee of up to ₹2,000. In contrast, this card provides similar perks without any cost, making it a great choice as a lifetime free card.

That said, the build quality could certainly be improved. I’m attaching a few photos so you can get an idea of how the card looks.
View attachment 79122

Same question for you. How did you raise the request for this?

 

[Dr.Anand456Dr.Anand456 is verified member.]

Same question for you. How did you raise the request for this?

Just call your rm.

 

[Centurion_wala]

Could any of Private Banking customer do me a favour?

Please just ask CC if Private Banking Customers can get the Wealth Select Debit Card? (Or do you only get private banking DC?)

Also, just ask how much charges are applied if we get Private Banking DC but get downgraded afterwards?

 

[Nishan11]

Same question for you. How did you raise the request for this?

I just raised the request by calling customer care & raised request for private banking visa infinite debit card & they took request. Card is visible on netbanking & bin is of visa infinite. Card will be delivered in 1-2 days.


I was wealth management account holder. Got upgraded to private banking because I applied for times black, which I have canceled before activation.