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Strange ICICI Account upgrade to private banking coz of times black card??

upgrade? Wtf I jsut checked my savings acc and all the offers like I used to get pre-approved like 25L pre approved car loan or 75L home loan preappproved, are all gone man. Earlier it used to show the amount and even i had offers for personal loan. Ofc I never want these offers and never applied for them personally but still it was a comfy situation for me knowing if I have to apply I don't have to go through paperwork of banks and giving income docs etc as I had pre-approved offers, now they are all good. I am hating this "upgrade" ugh.

Now it looks like this. Earlier I had like literally 10-15 offers.

View attachment 78284
It will take some time. Your offers are being refreshed, which is why the previous ones are no longer available. Soon, you'll receive even better and bigger offers. By the way, when was your account upgraded? I recently got this card, but my account hasn’t been upgraded yet, even though it’s also a Privilege account.
 
I just checked, and my ICICI bank account has been upgraded from Privilege Banking to Private Banking. I’m really happy! Getting this card has definitely proven worthwhile. Now, we’ll have access to even better offers, and there’s also a free CIBIL score check feature. Honestly, it feels exclusive, like we’re part of a select group chosen to have this card. Even if I’m unsure about all the card’s benefits, ICICI Bank is certainly delivering a premium experience. Let’s see what more surprises are in store for us.
 
This is infact due to Times Black Card. Bank considers this cards users as golden bird and will try to get them into investments, FDs, MFs, stocks, etc. Private Debit Card has too low of a fee for the business they are expecting to get from us.

If CL>10 Lakh may contact CC, EPM would most likely be issued instantly.
 
I just checked, and my ICICI bank account has been upgraded from Privilege Banking to Private Banking. I’m really happy! Getting this card has definitely proven worthwhile. Now, we’ll have access to even better offers, and there’s also a free CIBIL score check feature. Honestly, it feels exclusive, like we’re part of a select group chosen to have this card. Even if I’m unsure about all the card’s benefits, ICICI Bank is certainly delivering a premium experience. Let’s see what more surprises are in store for us.
What's your limit?
 
And some people were saying this thread is useless waste of time...

If technofino isn't the place to know about banking products or to find tricks and tips for financial products then where should one go for it?

And one useless random nobody was calling me narcissist. Jokers of the highest order.
Misunderstanding happens. Opposite view may also emerges stronger. Infact that help u to put forward your view with more clarity.

One way or the other we all are contributing.
Cheers!
 
So something strange happened.

I am/was a ICICI privilage customer. I am a privilege customer from like last 11 years. This is how it has always been since I am a ICICI customer from the beginning. I was given this account by a ICICI agent when I wasn't even a customer with ICICI, I used to live in a society/area in Gurgaon 10 yrs back where whole society was filled with salaried people working in different MNC's. Agent took I think 40k or was it 15k cheque from me and said i can move money right away once the acc is opened since it is a zero bal account. So it was advertised to me as a "society based account" but in their banking terms it was called privileged banking. Idk what features privileged banking has officially but I have never been charged for debit card or sms or debit card fee or any imps/neft fees ever.

But today they upgraded(or downgrade? as I am not sure if going from privilage to private is upgrade or not) but they upgraded my account to private banking with internet banking going all golden-ish User interface. What's happening?

I don't think I did something myself. I have a savings acc with them from like last 10 yrs, with balance very minimal. I kept may be 3-4L bal + 5L plus in FD in last few months. Now my saving bal is even less than 20k plus fd as before of 5L+ . I have like 6-7 cc's with icici like sapphiro/rubyx both mc/amex variant and corol, apay, and the new card I applied a week back i.e times black card which I plan to not activate anyways.

is times black card the reason they automatically changed my bank acc status? Someone knows anything abt this?

Is my account upgrade even an upgrade? What is the benefit of private banking? I loved my privileged banking acc tbh as i was never hit with any fees. I haven't gotten any email/sms abt this yet aswell.

This is what my INB looks like now, earlier it was reddish/orangish. Now it is golden. View attachment 78279
Lucky boi...


What's your limit?
 
And some people were saying this thread is useless waste of time...

If technofino isn't the place to know about banking products or to find tricks and tips for financial products then where should one go for it?

And one useless random nobody was calling me narcissist. Jokers of the highest order.
As I've always said "Male ego is the most fragile thing in this world!"
What say @HumorSimpson
 
It will take some time. Your offers are being refreshed, which is why the previous ones are no longer available. Soon, you'll receive even better and bigger offers. By the way, when was your account upgraded? I recently got this card, but my account hasn’t been upgraded yet, even though it’s also a Privilege account.

My acc was upgraded today only. Yesterday it was normal privileged banking only. I also got a sms from icici just few mins back saying your icici times now card ending wiht XXXX might be closed as per regulatory (rbi) guidelines if not activated before 18th jan'2025. Funny part is, I haven't even received the card yet neither have I received any sms for tracking link like bluedart etc for card delivery.
 
I just checked, and my ICICI bank account has been upgraded from Privilege Banking to Private Banking. I’m really happy! Getting this card has definitely proven worthwhile. Now, we’ll have access to even better offers, and there’s also a free CIBIL score check feature. Honestly, it feels exclusive, like we’re part of a select group chosen to have this card. Even if I’m unsure about all the card’s benefits, ICICI Bank is certainly delivering a premium experience. Let’s see what more surprises are in store for us.

CIBIL score feature is useless as I already have paid cibil subscription and anyways some bank gives free cibil pr year free feature anywyas no? like hdfc.

Yeah it feels exclusive and premium but it will certainly wear off if we are not given good features with this kind of banking otherwise it will feel useless pretty soon.
 
This is infact due to Times Black Card. Bank considers this cards users as golden bird and will try to get them into investments, FDs, MFs, stocks, etc. Private Debit Card has too low of a fee for the business they are expecting to get from us.

If CL>10 Lakh may contact CC, EPM would most likely be issued instantly.

I am not even sure if private debit card has a fee. Isn't it free?

Lucky boi...


What's your limit?

My CL is 5L on apay and 4.7 for core cards
 
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