My ICICI Emeralde Private Metal Card EPM Journey — Approved with < 2L net salary!

[Kabir_1112]

Congratulations 🎊
How many years u accumulated this many points bhai

Almost 7-8 years. Emeralde plastic and Diners Black plastic were my only cards that I used everywhere and still do. But now I've 2 new addition to my list 😉😀

 

[Kabir_1112]

2.25L points on Emeralde Plastic?? 🙏🏻

Any option would fetch only 25ps. So better redeem for required vouchers.

I actually was surprised to see the points on Ishop portal when I 1st logged in. Previously I never saw or bothered to check my points as I had limited knowledge. Now I have started to keep a check and even have close to 1L points on Diners black plastic which I will have to see what to do with that.
But 1st it's going to be Emeralde plastic points that I need to use and close this card. And start using more of Emeralde metal.

 

[JayKay]

Please advise how to get the contact of Corporate RM. Working in Infy. Can you please share the details of the RM if he/she can move the application

 

[Kabir_1112]

Please advise how to get the contact of Corporate RM. Working in Infy. Can you please share the details of the RM if he/she can move the application

I can give you the contact of the person who helped me get a card. But not a corporate RM, but I think he can still help you.

 

[JayKay]

I can give you the contact of the person who helped me get a card. But not a corporate RM, but I think he can still help you.

Yes please. Can you please DM

 

[cc_dc_explorer]

@CC_Exuberant Hey, can you pls help me get this? Pls share the RM contact

 

[navdeep22]

@CC_Exuberant Hey, can you pls help me get this? Pls share the RM contact

There are not giving below 3L net now, rules are strict than earlier

 

[subham23]

There are not giving below 3L net now, rules are strict than earlier

3L net to be credited in icici account only or into other bank is also fine?

 

[ash_m]

3L net to be credited in icici account only or into other bank is also fine?

It depends on a number of factors.

If you've a past relationship with bank, maybe some savings account plus any other ICICI CC with high limit (atleast 6L+) might work with just payslips. But most likely, it wound't happen so consider opening a salary account "easiest" way. You can also go back & close the account if you don't find any benefit or want to keep salary account with some other bank. Don't go for it if they ask you to do some investments or move your existing investments to ICICI demat. That's a trap.

Also note that 3L net is not a guarantee. Most people on TF who got the card by applying had some prior relationship with ICICI or their employer has a corporate tie-up with ICICI making such approvals easier even when net salary is around 2.5 - 3L.

 

[sri_cc]

3L net to be credited in icici account only or into other bank is also fine?

recently my friend got it based on just salary, he's getting 3+, no existing relation with ICICI except for APAY card

 

[Aniket Sharma]

Hey everyone! Just wanted to share my experience which might help others who have a similar profile.
Background:

My in-hand (net) salary is less than ₹2 lakhs per month. Because of this, none of the ICICI agents or bank officers were interested in processing my request for the ICICI Emeralde Private Metal card.

I really wanted this card, as my CTC is close to ₹50 lakhs, but since my net salary was lower (due to deductions), they kept declining.


The workaround:

I decided to approach my corporate Relationship Manager (RM) directly. I reached out to the corporate head, explained my CTC and showed them all my deductions (superannuation, NPS, shares, etc.).


They initially said they’d check and needed time. After a few follow-ups, they agreed — but on one condition:
Open a Salary + Demat 3-in-1 account with ICICI.

I agreed immediately.

Documents & Application Process:

• Opened the new account.
• After 2 days, they asked for my CTC letter and deduction proofs for approval.
• They took OTPs (for the card application and Aadhaar e-KYC).
• Application was logged and I got SMS + email confirmation.
• I could track it on this ICICI tracking link — it initially showed “Application login in progress”.

Surprise & hurdles:

When the application was logged, it showed a limit of ₹25 lakhs, which surprised me.

However, the application did not move forward for 3–4 days because the credit team was not happy with my low net salary.

My corporate RM stepped in, discussed with the regional head, and finally convinced the credit team to approve it.

Final outcome:

• Status changed to “In sanction stage”.
• Underwriting processed the card and finalized with a ₹12 lakh limit (instead of ₹25 lakh initially shown).
• Card was finally approved, despite my low net salary.

Key takeaway:

All thanks to my corporate RM, who pushed it internally. If you have a high CTC but lower net salary due to deductions, try going through the corporate channel rather than regular sales agents.


Happy to answer any questions! Let me know if you want more details on the documents or steps.

Bhai pehle to heading change kro bc 50 lacs CTC me ktwa rhe ho aur less than 2 lacs salary dikha k shabhit kya krna chahte ho?

 

[navdeep22]

3L net to be credited in icici account only or into other bank is also fine?

In any bank account, I have confirmed that 10-15 days ago,
Earlier they were giving less than 3L too.

Now if you don't have salary account in icici, you need to have 3L net salary,

They will be 3 things happening all together
1. EPM
2. Shifting salary to ICICI Bank
3. Demat

They will take approval from back end from you salary, then these 3 things willl be done and you will get card