It is very simple.. the benefits provided to the card holders are causing losses to the bank, so they cut down their loss by devaluing the card. Cutting down on the fee will give them more loss. They are doing a business.
ICICI report the shared limit for each card separately. So eventually the CIBIL would show higher limit against the actual limit. I have apay and sapphiro on shared limit and it is shown separately in cibil.
Customers with KYC verification have a daily transaction limit of 7,500 and a monthly limit of 30,000. Non-KYC users have a daily limit of 5,000 and a monthly limit of 15,000.
Currently Emeralde Metal is invite only card. The bank person has to take internal approval to process with the card. In case, you don't have a RM, try with a different branch.
I have checked with my corporate RM and he told that currently there is no way to issue metal one as FYF/ LTF. Not sure whether he was right or not.
Could you please dm of your company name? I will check with him by giving the example.
The size of the report is too heavy and this can not be sent to the bank on the email as most of the bank have limitation on attachment size in the email. I have tried to compressed, but still unable to compressed as required. Any way to get the lighter version?