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

[Dr.Anand456]

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

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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

 

[kuchbhi]

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.Anand456]

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.