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Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

Guys met ICICI BM today , he told me 2 conditions for getting EPM. He said salary or ITR doesn't matter if bank is not getting profit from you it will not give you card.

Condition 1: do a decent FD of around 25L and they will give EPm straight away along with opening account

Condition 2: open icici Bank account, shift salary here and do small fd, move family salary account also here. He will give emrald plastic asap, and will give EPM in 2-4 months Max 6 months.

In 2nd condition I told him what if he not able to upgrade when time comes. He said I am branch manager , and I am giving u my word

Any suggestions guys
which branch is it? I'll take EPM for my wife with 25 lakhs FD
 
which branch is it? I'll take EPM for my wife with 25 lakhs FD
With 3 to 5yrs locking period ? Will you accept ?

Even after you got the card this way, you think they let you break the fd ? Lol

Looks like this bank going in the same path as someone who used to ask for ulips.
 
Guys met ICICI BM today , he told me 2 conditions for getting EPM. He said salary or ITR doesn't matter if bank is not getting profit from you it will not give you card.

Condition 1: do a decent FD of around 25L and they will give EPm straight away along with opening account

Condition 2: open icici Bank account, shift salary here and do small fd, move family salary account also here. He will give emrald plastic asap, and will give EPM in 2-4 months Max 6 months.

In 2nd condition I told him what if he not able to upgrade when time comes. He said I am branch manager , and I am giving u my word

Any suggestions guys

Take the same on email from RM, EPM has a 5-6 level approval, even BM is small player in this hierarchy
Also RM/BM frequently lie to meet their targets
Even if true, only option 1 is the choice, option 2 is not happening
 
even BM is small player in this hierarchy
Once I got into ccgeek and similar communities, I realised straight away that BM has no powers whatsoever. Specially in case of HDFC and ICICI. They are zero people.

RM have some power, but RM's superior has major power.

Also if you find corp RM, he has huge powers.
 
Okay guys, can you DM me corporate RM's number or contact, I'll ask him same

PS: I don't have bank account in icici
Corp RM usually won't help you anyways. For a CC application, he needs deviation and that can be gotten via relationship with the bank or yours, or your parents(Rare) or someone in blood relation. If you call just via reference, he won't give any time.

These corp RM's also don't care for cc applications, they are more interested in b2b relation and loan to be provided. They surely can get any cc app approved but they will use deviation via relationship with the bank or other means.
 
Corp RM usually won't help you anyways. For a CC application, he needs deviation and that can be gotten via relationship with the bank or yours, or your parents(Rare) or someone in blood relation. If you call just via reference, he won't give any time.

These corp RM's also don't care for cc applications, they are more interested in b2b relation and loan to be provided. They surely can get any cc app approved but they will use deviation via relationship with the bank or other means.
Hey, do you have the EPM already?
 
No, But I have a HDFC Corp RM and he has gotten infinia's approved and has worked for ICICI before he became corp RM at HDFC.
How much was your net when you got it ? Like was it above criteria or below ? If below then by how much, range if possible

Lastly when was this ? Before 5LPM criteria or after it ?
 
One of my friend applied for EPM through a RM from other city, purely on basis of salary slips & bank statement. He hold normal savings account with ICICI.

it's at sanctioned stage & got penny drop account verification by Karza Tech on behalf of ICICI.

He asked me whether it's normal, i said I have not heard penny drop verification by ICICI for credit card application. Some other banks do it. It's first for me hearing this is being done by ICICI.

I told him if it's on behalf of ICICI, it should not be an issue as it must be for his salary account verification, his salary account with is with BOB.

Anyone here have experience with this?
 
One of my friend applied for EPM through a RM from other city, purely on basis of salary slips & bank statement. He hold normal savings account with ICICI.

it's at sanctioned stage & got penny drop account verification by Karza Tech on behalf of ICICI.

He asked me whether it's normal, i said I have not heard penny drop verification by ICICI for credit card application. Some other banks do it. It's first for me hearing this is being done by ICICI.

I told him if it's on behalf of ICICI, it should not be an issue as it must be for his salary account verification, his salary account with is with BOB.

Anyone here have experience with this?
I can confirm after my application goes through the Sanction stage. How many days did it take for your friend's application to be at the Sanction stage?
 
I can confirm after my application goes through the Sanction stage. How many days did it take for your friend's application to be at the Sanction stage?
2 working days to reach sanctioned stage. It reached on 19th July. Still at that stage only. Today morning he got message about penny drop verification, so he called me to crosscheck whether it's normal.

When your application reached sanctioned stage ?
 
It's been more than 3 working days and yet to reach Sanction stage.
I misunderstood your above post and thought your application also reached sanction stage.

He applied on 17th July by submitting docs. On 18th July, RM sent him link to esign application. It reached to sanction stage on 19th July.
 
I misunderstood your above post and thought your application also reached sanction stage.

He applied on 17th July by submitting docs. On 18th July, RM sent him link to esign application. It reached to sanction stage on 19th July.
Hmm, my application was submitted on 16th July. Just had a chat with the CC person. My application is kinda stuck and awaiting seniors' approval. *face palm*
 
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