Tricks to get Emerald LTF and Indulge LTF

[Cardmarvel]

Hello,

I have recently opened a Select account with IndusInd. They have offered me Legend LTF, but I have asked for Indulge LTF instead. I offered them to put 5L FD as goodwill. What are my chances? Any other tricks I can use? I already hold Infinia and Magnus so I don’t have a lot to gain from Indulge, but I will keep LTF if they offer.

Similarly, I have requested my icici RM to upgrade from Sapphiro LTF to Emerald LTF. I have told them that if they do so, I will move some expenses to Emerald, give them additional SIP and won’t move my salary to Axis. Would this work? Again, I have no inclination to pay any fees for Emerald since my other cards cover most benefits already

 

[anirban.choudhury]

Has anyone been able to get dual variant Emeralde as icici doesn't close the existing card?

Emeralde is not offered in dual variant , neither card variant request is accepted
A new card variant requires approval if LTF otherwise would charge extra 12k rs per year

 

[shashank08]

None of the icici cards comes with information related to joining and annual charges
To confirm LTF status write a mail to customer care or head credit services and keep that in writing , also when you filled the application , you must have received a MITC agreement and application form in that charges are clearly mentioned

What is the mail id of head credit services of ICICI?

 

[Cardmarvel]

None of the icici cards comes with information related to joining and annual charges
To confirm LTF status write a mail to customer care or head credit services and keep that in writing , also when you filled the application , you must have received a MITC agreement and application form in that charges are clearly mentioned

So I called up customer care, and they say only joining fees are waived off, not the annual fees. I told them that I was told otherwise. They say, they will try to convert it into LTF.

I told my RM that I won’t activate the card. But he has responded on email from his official id that the card is indeed LTF and they will handle any issues if arise. So I have decided to activate the card and see what happens next year. I have an email chain to validate my stand and worst case, I will return it next year

 

[0xfallup]

So I called up customer care, and they say only joining fees are waived off, not the annual fees. I told them that I was told otherwise. They say, they will try to convert it into LTF.

I told my RM that I won’t activate the card. But he has responded on email from his official id that the card is indeed LTF and they will handle any issues if arise. So I have decided to activate the card and see what happens next year. I have an email chain to validate my stand and worst case, I will return it next year

draft a mail to pno for confirmation

 

[Cardmarvel]

draft a mail to pno for confirmation

Will see next year. I have one official email right now, so can always fight it out

 

[Cardmarvel]

Will see next year. I have one official email right now, so can always fight it out

So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?

 

[shubhamosy]

So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?

welcome benefits will be there?

 

[anirban.choudhury]

So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?

I would suggest to cancel the card , as there was a better shot to make it LTF at inception
Also there are no welcome benefits too so keeping it for a year would not make any sense as there is nothing substantial that you can get from FYF

 

[sxchzy]

@anirban.choudhury did you get indulge ltf or did you pay jf?

 

[anirban.choudhury]

@anirban.choudhury did you get indulge ltf or did you pay jf?

LTF

 

[sxchzy]

LTF

how can you tell me
?

 

[anirban.choudhury]

how can you tell me
?

I knew someone in IndusInd who worked at a top management position

 

[0xfallup]

So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?

escalate to ombudsman will be converted to LTF i guess

 

[shivek]

I tried applying online on ICICI and getting Emeralde with fee of 1K+GST and card image showing VISA Platinum.
Please refer below link for details from another thread.
https://www.technofino.in/community...e-icici-sapphiro-credit-card.7612/post-234529
Seeking valuable guidance on this unheard pricing.
Deleted the link to avoid confusion.
Missed to see /month in the fee (1000+GST/month)
RIP excitement 😂

 

[4uziaul]

I tried applying online on ICICI and getting Emeralde with fee of 1K+GST and card image showing VISA Platinum.
Please refer below link for details from another thread.
https://www.technofino.in/community...e-icici-sapphiro-credit-card.7612/post-234529
Seeking valuable guidance on this unheard pricing.

You missed it big time and I have replied in that thread already.

 

[AshishR]

im upgrading from iconia amex LTF to indulge LTF with 1L + gst as joining fee

ill get 1L voucher worth

i think its totally worth, cuz of BMS offer and ED offer and ofcourse indulge is really good looking card

 

[pprakash11]

im upgrading from iconia amex LTF to indulge LTF with 1L + gst as joining fee

ill get 1L voucher worth

i think its totally worth, cuz of BMS offer and ED offer and ofcourse indulge is really good looking card

Which brand vouchers are those of 1L ?

 

[jack333]

Postcard hotel, MB, Vouchagram, luxe
Can choose among these

 

[pprakash11]

Postcard hotel, MB, Vouchagram, luxe
Can choose among these

Achha toh hum chalte hain !! 🤣

 

[sxchzy]

im upgrading from iconia amex LTF to indulge LTF with 1L + gst as joining fee

ill get 1L voucher worth

i think its totally worth, cuz of BMS offer and ED offer and ofcourse indulge is really good looking card

Indulge costs 45k anyway why are you paying 1L ?????
🤣