Premium Credit Card with c2c application

[bhavik886151]

Hello community

i am self employed have ITR of 24 Lakh
looking for high end credit card ok with fees with C2C against my AMEX MRCC with limit of 5.52 lakh or with 24 Lakh ITR

other card i have with there limit
1.Amex paltinum travel - 4.8 lakh
2. Amex gold charge
3. ICICI coral - 1 lakh
4.ICICI Apay - 1 lakh
5.HDFC BIZPOWER - 3 lakh
6.SBI Reliance Prime - 3.15 lakh
7.HDFC freedom recently get in hope will upgrade to regila or DCP but some one here said that will never happen so not activated
8.IDFC First Business - 1.4 lakh

Have company account with ICICI and Axis and saving account with AXIS

suggestion and agent contact will appreciated

 

[bhavik886151]

any one have any suggestions

 

[akiratoriyama]

Talk to icici rm about getting Emerald pvc atleast. Consider axis atlas or burgundy too. Coral is pathetic. Wrt hdfc how much are your spends on that card?

 

[pythonlover]

If you are ok with fees (23.8k), then you can try ICICI Times Black. It is easily approved and has good benefits if you travel frequently or has high expenses of 10L or more (you have not mentioned expenses). You can also try for Axis Atlas (if you consider it premium).

 

[Dr.Anand456Dr.Anand456 is verified member.]

Hello community

i am self employed have ITR of 24 Lakh
looking for high end credit card ok with fees with C2C against my AMEX MRCC with limit of 5.52 lakh or with 24 Lakh ITR

other card i have with there limit
1.Amex paltinum travel - 4.8 lakh
2. Amex gold charge
3. ICICI coral - 1 lakh
4.ICICI Apay - 1 lakh
5.HDFC BIZPOWER - 3 lakh
6.SBI Reliance Prime - 3.15 lakh
7.HDFC freedom recently get in hope will upgrade to regila or DCP but some one here said that will never happen so not activated
8.IDFC First Business - 1.4 lakh

Have company account with ICICI and Axis and saving account with AXIS

suggestion and agent contact will appreciated

If you are self-employed, ICICI Bank and HDFC Bank are the best options for getting premium credit cards.

• HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card.
• ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally, the Emeralde (plastic version) might be available as a lifetime free card based on your income tax returns (ITR).
• Emeralde Private Metal Edition: If you somehow upgrade your ICICI account to Private Banking, you may also be eligible for the Emeralde Private Metal Edition card.

Other banks also offer good credit cards, but approvals largely depend on your ITR. Nowadays, super-premium cards are rarely issued on a "card-to-card" basis. While banks allow applications via this method, approvals are still based on your ITR and credit score (CIBIL), making the "card-to-card" method mostly ineffective.

I am sharing this based on my personal experience, as I recently faced the same situation.

 

[akiratoriyama]

If you are self-employed, ICICI Bank and HDFC Bank are the best options for getting premium credit cards.

• HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card.
• ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally, the Emeralde (plastic version) might be available as a lifetime free card based on your income tax returns (ITR).
• Emeralde Private Metal Edition: If you somehow upgrade your ICICI account to Private Banking, you may also be eligible for the Emeralde Private Metal Edition card.

Other banks also offer good credit cards, but approvals largely depend on your ITR. Nowadays, super-premium cards are rarely issued on a "card-to-card" basis. While banks allow applications via this method, approvals are still based on your ITR and credit score (CIBIL), making the "card-to-card" method mostly ineffective.

I am sharing this based on my personal experience, as I recently faced the same situation.

How does one get emerald pvc lifetime free?

 

[Dr.Anand456Dr.Anand456 is verified member.]

How does one get emerald pvc lifetime free?

You may get the card as lifetime free if you have a strong relationship with ICICI Bank. Simply put, if your Total Relationship Value (TRV) exceeds ₹50 lakh, you can easily request the bank to offer the Emeralde card as a lifetime free benefit. With such a high TRV, you automatically qualify as a Wealth customer, and some Wealth customers have received this card as lifetime free. In many cases, it even appears as a pre-approved offer.

If not, you can ask your Relationship Manager (RM) to submit a request on your behalf. The eligibility for a lifetime free premium card from ICICI Bank depends entirely on your banking relationship. If you are a new customer, the bank will likely ask for your ITR or salary slip to determine eligibility before issuing the card.

 

[akiratoriyama]

You may get the card as lifetime free if you have a strong relationship with ICICI Bank. Simply put, if your Total Relationship Value (TRV) exceeds ₹50 lakh, you can easily request the bank to offer the Emeralde card as a lifetime free benefit. With such a high TRV, you automatically qualify as a Wealth customer, and some Wealth customers have received this card as lifetime free. In many cases, it even appears as a pre-approved offer.

If not, you can ask your Relationship Manager (RM) to submit a request on your behalf. The eligibility for a lifetime free premium card from ICICI Bank depends entirely on your banking relationship. If you are a new customer, the bank will likely ask for your ITR or salary slip to determine eligibility before issuing the card.

Does icici trv consider prudential mutual fund holdings and or home loan with them? Or is just bank balance, fd, ulip, etc?

 

[bhavik886151]

Talk to icici rm about getting Emerald pvc atleast. Consider axis atlas or burgundy too. Coral is pathetic. Wrt hdfc how much are your spends on that card?

with HDFC Bizpower i spend around 1 lakh to 1.2 lakh every month also going to apply for the atlas as burgundy renewal for 25 lakh sepnd is too far

 

[vaibhav111vaibhav111 is verified member.]

Hello community

i am self employed have ITR of 24 Lakh
looking for high end credit card ok with fees with C2C against my AMEX MRCC with limit of 5.52 lakh or with 24 Lakh ITR

other card i have with there limit
1.Amex paltinum travel - 4.8 lakh
2. Amex gold charge
3. ICICI coral - 1 lakh
4.ICICI Apay - 1 lakh
5.HDFC BIZPOWER - 3 lakh
6.SBI Reliance Prime - 3.15 lakh
7.HDFC freedom recently get in hope will upgrade to regila or DCP but some one here said that will never happen so not activated
8.IDFC First Business - 1.4 lakh

Have company account with ICICI and Axis and saving account with AXIS

suggestion and agent contact will appreciated

opposite question what credit card you think you're looking manily, where you spend at? flight, hotel which mean domestic or international travel so we need split where you spend at cause at your ITR 24L tons of premium cc come but they don't match MRC 5000+GST, omly Axis Atlas match.

 

[vaibhav111vaibhav111 is verified member.]

• HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card.
• ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally, the Emeralde (plastic version) might be available as a lifetime free card based on your income tax returns (ITR).

with 30L ITR from 22L it needed Previously, i don't think Bizblack is that easier to get though. may be IP of 20-30L could Help and TIER 2,3 City may be willing.
and ICICI TimeBlack does have JF you do get RP against it but 10L is needed for reversal if not crossed no RP and you Pay the Fees Plus 90 Days Without.
Emeralde Private Metal Edition is much better you just need close to 40L ITR and Approval Chances are very high.

 

[bhavik886151]

If you are self-employed, ICICI Bank and HDFC Bank are the best options for getting premium credit cards.

• HDFC Bank: If you open a current account with HDFC Bank, you can easily get the BizBlack credit card.
• ICICI Bank: The Times Black credit card is relatively easier to obtain. Additionally, the Emeralde (plastic version) might be available as a lifetime free card based on your income tax returns (ITR).
• Emeralde Private Metal Edition: If you somehow upgrade your ICICI account to Private Banking, you may also be eligible for the Emeralde Private Metal Edition card.

Other banks also offer good credit cards, but approvals largely depend on your ITR. Nowadays, super-premium cards are rarely issued on a "card-to-card" basis. While banks allow applications via this method, approvals are still based on your ITR and credit score (CIBIL), making the "card-to-card" method mostly ineffective.

I am sharing this based on my personal experience, as I recently faced the same situation.

for HDFC i asked for it but they said bizblack only eligible for 30 lakh ITR hence gave Bizpower

For ICICI will ask my RM which he can get to me ( for annual spend of 13-15 lakh which will be more useful to me mostly spend are online websites )
also looking to get yes bank card yes reserve or marquee which ever easy to get as no connection with YES bank ever

 

[vaibhav111vaibhav111 is verified member.]

yes bank card yes reserve or marquee which ever easy to get as no connection with YES bank ever

with their RP got slashed, not sure if that cc is worth to put any spend compare to all suggestion others have given, i'm not sure how good is yes bank cc so do some search within the forum before applying if not sure if it worth.

 

[bhavik886151]

opposite question what credit card you think you're looking manily, where you spend at? flight, hotel which mean domestic or international travel so we need split where you spend at cause at your ITR 24L tons of premium cc come but they don't match MRC 5000+GST, omly Axis Atlas match.

i am looking for biz black , atlas, yes reserve or marquee or other credit card who provide higher reward rate then my existing one

i tried biz black but bank person ask for 30 lakh ITR strictly so take the Bizpower and because of bizpower they are not allowing me any other HDFC credit car only marriot and pixel play i can apply

my spend are mostly on online websites and few time at offline stores too

 

[bhavik886151]

with their RP got slashed, not sure if that cc is worth to put any spend compare to all suggestion others have given, i'm not sure how good is yes bank cc so do some search within the forum before applying if not sure if it worth.

with my ITR and and bank TRV only atlas is easy to get

as biz black denied by bank person

will try for emeralde as times black renewal spend is too much

 

[Dr.Anand456Dr.Anand456 is verified member.]

for HDFC i asked for it but they said bizblack only eligible for 30 lakh ITR hence gave Bizpower

For ICICI will ask my RM which he can get to me ( for annual spend of 13-15 lakh which will be more useful to me mostly spend are online websites )
also looking to get yes bank card yes reserve or marquee which ever easy to get as no connection with YES bank ever

The HDFC Biz Black Card can be easily obtained as a floater card. To be eligible, you must have any core HDFC credit card with a minimum credit limit of ₹6 lakhs. Once this requirement is met, you can request the Biz Black Card from the bank, and approval is usually straightforward.

That's why I mentioned that getting the BizBlack Card would be easy.

 

[Dr.Anand456Dr.Anand456 is verified member.]

Does icici trv consider prudential mutual fund holdings and or home loan with them? Or is just bank balance, fd, ulip, etc?

Yes, it counts, but all transactions must be done through ICICI for them to be considered in TRV (Total Relationship Value).

The best option to increase your TRV is to take a home loan with ICICI Bank.

 

[akiratoriyama]

Yes, it counts, but all transactions must be done through ICICI for them to be considered in TRV (Total Relationship Value).

The best option to increase your TRV is to take a home loan with ICICI Bank.

Already have one of a good amount in moms name. Also got sapphiro ltf, but emerald upgrade on imobile shows paid. Will push rm for emerald. Have a feeling he'll tell me to get ulip 🥲. Can just talk to customer care via email for this?

 

[aries]

Any C2C way for Axis cards? Doesn't have to be only premium ones

 

[Dr.Anand456Dr.Anand456 is verified member.]

Already have one of a good amount in moms name. Also got sapphiro ltf, but emerald upgrade on imobile shows paid. Will push rm for emerald. Have a feeling he'll tell me to get ulip 🥲. Can just talk to customer care via email for this?

Email kerna jyada sahi rahega.