ICICI Emeralde Private Metal Credit Card
Travel
Reward Points
1st Year Fee: ₹12,499* Plus Applicable Taxes
Reward Rate
3% value-back on all spends
Lounge Access
Unlimited access in India & abroad
Hotel Benefit
Complimentary Taj Epicure membership
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About ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank Emeralde Private Metal credit card is the most premium credit card offered by ICICI Bank. Catering to the high-end customer segments it offers considerable benefits across different spending categories and brands. With benefits like 3% rewards accrual, unlimited lounge access and golf rounds, up to 50% dining discount and up to Rs. 1,500 off per month on BookMyShow tickets, this card compliments the diverse lifestyle needs of consumers.
The card stands as a competitive addition to the list of super-premium cards because of its overall benefits which cover most of the spending categories. Unlike many cards that exclude categories like insurance, rent and utilities from the reward program, this card offers decent value-back on these spends. Having said that, the card’s reward rate might seem low when compared to other similar cards, but the redemption ratio of 1:1 makes up for the lower number of reward points accrual which helps you save 3% on your spends which is generous, if not the best.
The travel benefits of complimentary unlimited access to international as well as domestic lounges for both primary and add-on members, along with EaseMyTrip vouchers as milestone benefits make it a good option for frequent travellers. Extensive insurance cover, lower forex mark-up fee, and up to Rs. 12,000 refund on travel booking cancellations also help make your travel plans safer and stress-free.
Note: This is an invite-only credit card offered only to selected clientele of ICICI Bank.
Rewards & Travel Benefits
- 6 ICICI reward points on every Rs. 200 spent including grocery, education, insurance and utilities transactions 1,2
- Value of 1 reward point = Up to Rs. 1 (Rs. 1 for flights,hotel and selected brand vouchers; Rs. 0.6 for rewards catalogue and Rs. 0.4 for statement credit)3,4
- 12,500 bonus ICICI reward points every year on card activation after the payment of joining or card renewal fee
- Taj Epicure membership for the 1st year from the date of card issuance, accompanied by complimentary night stays, 25% off on F&B, 20% off on Qmin App orders, hotel spa & salon usage and other offers including a one-time use voucher for 20% off on room/suites at select hotels, Taj Palaces & Safaris (max. 5 nights)
- Unlimited domestic and international lounge access with Priority Pass membership, for both primary and add-on cardholders
- Low forex markup fee of 2%
- Travel Cancellation Cover with a refund of up to Rs. 12,000 annually on maximum of 2 air travel or hotel booking cancellations
Other Features & Benefits
- Milestone Benefit: EaseMyTrip vouchers worth Rs. 3,000 each on reaching annual spending milestone of Rs. 4 lakh and Rs. 8 lakh
- Movie Benefit: Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings twice a month
- Golf Benefits: Unlimited golf lessons or rounds every month by creating a Golftripz account to book slots.
- Dining Offer: Complimentary EazyDiner membership every year with perks like 25% to 50% off on dining at top restaurants in India and Dubai, free desserts on special occasions and 2,000 EazyPoints as joining bonus.
- Concierge Services: 24×7 i-Assist concierge service, including restaurant referral & reservation, gift assistance, hotel/flight referral & reservation, car rental, movie ticket booking & delivery, medical concierge privileges, and emergency auto assistance across India.
ICICI Emeralde Private Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 12,499 |
| Annual Fee | Rs. 12,499 (reversed on spending Rs. 10 lakh/year) |
| Card Replacement Fee | Rs. 3,500 |
| Finance Charges | 3.40% p.m. or 40.80 % p.a. |
| Cash Withdrawal Charges | Nil |
Things to Know Before you apply
Get this card if:
You are a high spender to be able to maximise your reward accrual
You want all-round features rather than benefits focused on a particular category
You are a frequent traveller looking for benefits like cancellation cover, free lounge visits & travel insurance
You can reach the annual spends of Rs. 10 lakh to avail the annual fee reversal benefit
Other Similar Cards:
HDFC Infinia Credit Card
HDFC Diners Club Black
SBI Aurum
Axis Magnus Credit Card
Paisabazaar Review
What do we like about this card?
The reward redemption ratio of 1:1 is a significant feature. Along with this, extensive travel insurance, travel vouchers of up to Rs. 6,000 on spending Rs. 8 lakh, and unlimited access to international and domestic airport lounges also come as useful features for those who like to travel frequently and in comfort. Moreover, this card also comes with some of the best deals on BookMyShow bookings with discounts of up to Rs. 1,500 per month.
Pros
- Unlimited domestic as well as international lounge access
- Low forex markup fee of 2%
- Unlimited golf games or lessons every year
- Vouchers worth Rs. 6,000 as Milestone Benefit
Cons
- High annual fee of Rs. 12,499
- Hotel benefits are limited to first year
- Fuel transactions are excluded from the rewards program
- Multiple travel insurance covers
Conclusion
The ICICI Emeralde Private Metal credit card appears to be a good choice for you if you are a high spender and are looking for a premium card that comes with offers spanning across different categories to boost your savings while you lead a life of comfort.
Frequently Asked Questions
Everything you need to know about this credit card
Taj Epicure membership is feature-loaded with perks like complimentary night stays, 25% off on F&B, 20% off on Qmin App orders, hotel spa & salon usage and discounted stays among other benefits.
You can avail up to 3 complimentary add-on cards with your ICICI Bank Emeralde Private Credit Card.
The card offers a redemption ratio of 1:1. You can redeem your accumulated rewards against flight and hotel vouchers for 1 reward point = Rs. 1. Additionally, you can get selected brand vouchers from Apple, Tanishq, Tumi, Coach, Brooks Brother, Emporio Armani, Jimmy Choo, G-Star Raw, Canali & Mother Care for 1 reward point = Rs. 1. Beyond these, you can redeem against the reward catalog for 1 reward point = Rs. 0.6 and Rs. 0.4 for redemption against statement balance.
The complimentary concierge service on the card is currently available only in selected cities- New Delhi, Mumbai, Bengaluru and Chennai.
In case of any queries or disputes, you can raise your concerns to ICICI Bank customer care at 1800 1080.
Footnotes
- Excluded Categories: Spends made on tax, fuel payments, rent and e-wallet loading transactions.
- Maximum reward points capped at 5,000 per cycle for insurance spends and 1,000 per cycle across grocery, utilities and insurance, each.
- Accumulated rewards are redeemable online via internet banking or iMobile Pay app. You can also redeem them against outstanding by calling the customer care.
- Redemption of reward points against statement balance (cashback redemption) is capped at 50,000 reward points per statement cycle.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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