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Yes, my branch manager told me that if you're a Wealth or Private Banking customer and your Total Relationship Value (TRV) with the bank is around ₹1 crore, you will definitely be eligible for the ICICI Bank Emeralde Private Metal Credit Card. If my TRV had reached ₹1 crore, I would have...

Why do you even need the Infinia card..? 😅 You’ve already achieved everything! A person who can make a fixed deposit of ₹1 crore doesn't need to worry about a credit card — that’s a small thing for you, bro. By the way, if you just park that kind of amount in ICICI Bank for a few months, the...

What is the location? I've also completed my milestone, and I'm thinking of taking a helicopter ride too. Can someone explain the complete process? Also, has anyone in this TF community availed this facility?

I respect your view, but allow me to clarify the context. You're absolutely right that no bank rule can override RBI guidelines. However, it's important to understand that the RBI provides a regulatory framework within which banks are allowed to design their card features and operational...

Hi, I hope by now you've received clarity on your query through the responses below. I would just like to point out that before filing a complaint with the RBI, it’s essential to thoroughly read the terms and conditions of the HDFC credit card you’re using. These terms clearly outline how...

Firstly, I personally believe that there was no need to share such personal details in a public forum. Such matters are best kept private, as they involve sensitive information. Secondly, SSV has already provided you with a very solid suggestion. Beyond that, your friend can take a few...

Bahut khub 👏

Ye kab hua..?

Your story is truly inspiring, Sumanta bhai. This is the first time I’ve come to know your actual age and the deeper journey behind your passion. The determination you had for getting your first credit card a few years ago—I can completely relate. I went through a similar phase myself...

I can't specify the exact amount, but your Total Relationship Value (TRV) should be at least more than ₹30 lakhs.

Yes, if you have a good relationship with ICICI Bank—meaning if you are a Wealth or Private Banking customer—you can directly apply for any card or service through your branch manager or relationship manager. While approval is not guaranteed, your chances of getting financial products like...

I haven't seen a case where the Emeralde card has been offered as a lifetime free card purely on the basis of TRV (Total Relationship Value). However, there are chances of getting it. If people can get it with a lower TRV, then it's definitely possible when your TRV is higher. And as I’ve said...

If you raise disputes directly through the CIBIL website, it becomes much easier and requires much less effort. You don't even need to enter all your personal details and other information there. Even for removing inquiries, I’ve never had to put in much effort when using CIBIL directly. That’s...

Yes, absolutely. In fact, some people have received a lifetime free offer even with a lower Total Relationship Value (TRV) than this. If you’re pre-approved, it usually shows up under i mobile app. And if your TRV is over ₹50 lakhs, you can try visiting a new branch and talk to the branch...

Yes, if you’re eligible, you may be offered the Biz Black card even the first time you apply.

Hi everyone, I want to share my experience with CIBIL and Experian credit bureaus. Around two months ago, I raised disputes with both CIBIL and Experian to get some credit inquiries removed from my credit report — 4 with CIBIL and 2 with Experian. Out of the 4 CIBIL inquiries: 2 were closed...

Most of the good facilities and services that ICICI Bank was offering to customers until now have either been significantly devalued or completely discontinued. It’s becoming difficult to trust ICICI Bank anymore.

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Today, while purchasing a voucher from iShop, I noticed something new. My Times Black Credit Card had around 1,700 reward points, but when I tried to redeem them for a ₹10,000 voucher, I only got ₹1,000 off in total. Earlier, 1 point used to equal ₹1, so with 1,700 points, I should have gotten...

Times Black 🤣 with 2.5 lakh.