Eligibility Criteria for ICICI Emeralde Private Metal - Discussion

[theXfactor]

It seems earlier icici was providing this card easily even for 2.4-2.5LPM salary without requiring to move salary account or opening demat.
Now icici has started tightening the screw.

Things evolve. I said this before EPM, Infinia sort of cards are a loss to banks if used majorly for accelerated points, banks expect to make money from HNIs and hence the privileges. Case in point Atlas, despite not being super premium, people exploited left right and centre leading to Axis review its issuance

 

[pythonlover]

Check in another branch or check with BM and tell him you will move away your salary account if it is with icici or move to icici if it is not with icici..

Will try another branch as I had talked to the BM directly. I have decided to close the Times Black and told him the same. He and other branch employees were surprised as they all believe that Times Black is superior to and more premium card than EPM.

 

[theXfactor]

Will try another branch as I had talked to the BM directly. I have decided to close the Times Black and told him the same. He and other branch employees were surprised as they all believe that Times Black is superior to and more premium card than EPM.

They go by the card fee

 

[Kabir_1112]

Hey can you share me the number

Yes, I can. Hope he can help you.

 

[Kabir_1112]

It seems earlier icici was providing this card easily even for 2.4-2.5LPM salary without requiring to move salary account or opening demat.
Now icici has started tightening the screw.

They have actually become very strict the criteria. They are making it hard for new on-boarding.

 

[spazz]

They have actually become very strict the criteria. They are making it hard for new on-boarding.

Understandable. They don’t want to dilute the value.

 

[Kabir_1112]

Understandable. They don’t want to dilute the value.

I guess same with Infinia they did. Revised the criteria for limit + spend.

 

[INN]

Has anyone got the EPM CC based on ITR alone as self-employed? If yes, please share the experience.

 

[TripleAce]

Has anyone got the EPM CC based on ITR alone as self-employed? If yes, please share the experience.

I too want to know!!

 

[m4b]

I too want to know!!

Speak no more

 

[abyclassic]

anyone here was able to get Emerald plastic or metal card as LTF recently? I have pre-approved Emerald, but not LTF. I feel its not worth to pay the charges considering several other cards I have. I am trying to push to get it as LTF.

 

[TripleAce]

Speak no more

Existing relationship - ICICI Wealth account ✅
6+ lakhs limit - ICICI & HDFC ✅
36+ lakhs ITR - SE ✅

 

[HumorSimpson]

Any ICICI account is ok or need to have wealth account ?

Is the card really worth ?

 

[aayusharyan]

Any ICICI account is ok or need to have wealth account ?

Is the card really worth ?

Wealth is not required.
Card is worth it as renewal benefits are worth renewal fees so net fees is GST.

 

[TripleAce]

Any ICICI account is ok or need to have wealth account ?

Is the card really worth ?

It’s a great card.
An all rounder!!

 

[aayusharyan]

It’s a great card.
An all rounder!!

Bas mile toh pehle.

 

[HumorSimpson]

It’s a great card.
An all rounder!!

How ? a bullet point summary please.

 

[imdjay]

How ? a bullet point summary please.

bullet points for you
- ~18% return on vouchers
- ~18% return on flight bookings
- ~36% return on hotel bookings
- ~ 3% on all the purchase. so you can use it over any other discounts you get on Amazon, Flipkart or any other places.
- Then it works for utility, education like payments too.
Plus you can use this to buy vouchers Bajaj and Phonepe etc from outside for UPI payments.

Base reward is 3%. you can calculate the RPs you will get.

 

[TripleAce]

How ? a bullet point summary please.

@m4b
@aayusharyan -
Kindly do the honours 🙏🏼😅

 

[aayusharyan]

@m4b
@aayusharyan -
Kindly do the honours 🙏🏼😅

12,500 + 2250 is fees, get 12500 RP (1RP = 1Rs).
So, in net 2250:
- BOGO on BMS upto 750.
- Unlimited International and Domestic Lounge without spend criteria.
- Unlimited Golf.

All this without spending a paisa on the card. Spend benefits additionally.