ICICI Emeralde Credit Card Upgrade (Paid) – Any Way to Convert to LTF?

[Nandha]

Hi TFians,

I recently received an upgrade to the ICICI Emeralde Credit Card (plastic variant) with a ₹12,000 annual fee (paid) in the iMobile app– not the metal one.

Current Relationship with ICICI:

Amazon Pay ICICI Credit Card

ICICI Coral Credit Card

Combined credit limit: ₹4.2L


The upgrade came through without me explicitly applying, and I was okay with going ahead since I can easily meet the spend requirement in the first year to get the fee waiver.

That said, I’d really prefer to get the card converted to Lifetime Free (LTF) – especially considering my long-standing relationship with ICICI and solid spends across cards.

Questions:

Has anyone here been able to convert Emeralde to LTF through any channel (branch/RM/email/escalation)?

I currently have one RBIO credit card mis selling (Rubyx) case against ICICI bank. Can I negotiate with that?

Any tips, contact points, or escalation path that worked for you?

Would closing Coral or Amazon Pay card help in getting a stronger case for LTF on Emeralde?

I have spent about 60L in the last 5 yrs with ICICI credit Cards.

Appreciate any help or experience you can share!

Thanks in advance!

 

[Nandha]

Maybe it will be increased, I read somewhere where it as mentioned that Emeralde has a floor of 5L.

Can you share it if possible

 

[ashwinikumar900]

Experts help me out.

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I am also getting this card (Emerald) card (paid).

My Relationships
CARD limit 5L, 10-year-old relationship, APAY, Sapphiro rupay, TIMES BLACK, CORAL rupay, PLATINUM.

My suggestion:
Don’t hassle for E Plastic, the value of the card is next to negligible; instead, try getting an EPM card or at least get the Sapphire LTF first. OR if you can get it, get TIMES BLACK as first year free (I don’t think anyone has got this offer as of now).

 

[Aniket Sharma]

Hi TFians,

I recently received an upgrade to the ICICI Emeralde Credit Card (plastic variant) with a ₹12,000 annual fee (paid) in the iMobile app– not the metal one.

Current Relationship with ICICI:

Amazon Pay ICICI Credit Card

ICICI Coral Credit Card

Combined credit limit: ₹4.2L


The upgrade came through without me explicitly applying, and I was okay with going ahead since I can easily meet the spend requirement in the first year to get the fee waiver.

That said, I’d really prefer to get the card converted to Lifetime Free (LTF) – especially considering my long-standing relationship with ICICI and solid spends across cards.

Questions:

Has anyone here been able to convert Emeralde to LTF through any channel (branch/RM/email/escalation)?

I currently have one RBIO credit card mis selling (Rubyx) case against ICICI bank. Can I negotiate with that?

Any tips, contact points, or escalation path that worked for you?

Would closing Coral or Amazon Pay card help in getting a stronger case for LTF on Emeralde?

I have spent about 60L in the last 5 yrs with ICICI credit Cards.

Appreciate any help or experience you can share!

Thanks in advance!

Not possible, I already tried this way and also came to know that this 12k +gst is joining fee and that is non-refundable and also we have to pay annual fee and if spends will be fulfilling the criteria, then that annual fee will be reversed and again not the gst part.

Seems like a gambling, so I didn't activated the card and closed it instantly.

 

[Nandha]

I am also getting this card (Emerald) card (paid).

My Relationships
CARD limit 5L, 10-year-old relationship, APAY, Sapphiro rupay, TIMES BLACK, CORAL rupay, PLATINUM.

My suggestion:
Don’t hassle for E Plastic, the value of the card is next to negligible; instead, try getting an EPM card or at least get the Sapphire LTF first. OR if you can get it, get TIMES BLACK as first year free (I don’t think anyone has got this offer as of now).

Not eligible for both 👎.

Not possible, I already tried this way and also came to know that this 12k +gst is joining fee and that is non-refundable and also we have to pay annual fee and if spends will be fulfilling the criteria, then that annual fee will be reversed and again not the gst part.

Seems like a gambling, so I didn't activated the card and closed it instantly.

I think somewhere they mentioned its first year fees and not joining fees and reversible. Let me check.

 

[Aniket Sharma]

Not eligible for both 👎.






I think somewhere they mentioned its first year fees and not joining fees and reversible. Let me check.

Going to be trapped in joining fee vs first year fee.

 

[Aniket Sharma]

Not eligible for both 👎.






I think somewhere they mentioned its first year fees and not joining fees and reversible. Let me check.

I later went for aurum & got it fyf plus from 2nd year have to pay the joining fee and from that will get the 40k points that will be making the joining fee as zero, as we can redeem that for apay voucher of 10k. So, only 1800 will be charged as gst. And from that year have to spend 12 lacs to waive the annual fee.

 

[ashwinikumar900]

That’s why the ICICI card is only the best if you get it as lifetime free, that too should be written in BOLD TIMES FONT.

 

[Nandha]

I later went for aurum & got it fyf plus from 2nd year have to pay the joining fee and from that will get the 40k points that will be making the joining fee as zero, as we can redeem that for apay voucher of 10k. So, only 1800 will be charged as gst. And from that year have to spend 12 lacs to waive the annual fee.

Not eligible by salary and they are not servicing at coimbatore too

 

[Sree CC]

I am also getting this card(paid).
Already I have Amazon Pay with a limit of 3L. This card started appearing as approved after I had paid 3.5L for my kids Edu Fees.