ICICI Bank Emeralde Private Metal Credit Card: All-round Benefits

The features and benefits offered to the ICICI bank Emeralde Private Metal credit card users are as follows:

Welcome Benefits

Taj Epicure Membership: Cardholders get Taj Epicure membership for the 1st year from the date of card issuance. This is 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).

12,500 Bonus Reward Points: ICICI Emeralde card users get 12,500 bonus ICICI reward points every year on card activation after the payment of joining or card renewal fee.

ICICI Emeralde Private Metal Card Rewards Program

Reward Rate: 6 ICICI reward points on every Rs. 200 spent on grocery, education, insurance and utilities, including government transactions.

Note: From 5 Feb 2024, rent pay and e-wallet loading transactions will not accrue any reward points.

Excluded Categories: Spends made on tax and fuel payments are not going to accrue any reward points. Moreover, the reward points awarded on transactions converted to EMIs will be reversed.

Rewards Capping: You can earn ICICI bank reward points up to a certain maximum limit set for different spending categories in a statement cycle. The category-wise capping on rewards earning is as follows:

Rewards Redemption: You can redeem your earned ICICI reward points online via internet banking or iMobile Pay app. You can also redeem them against outstanding by calling the customer care. Here, the redemption value of each reward point is:

1 ICICI Reward Point = Re. 1

Vouchers worth Rs. 6,000 as Milestone Benefit

ICICI bank offers Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 lakh and Rs. 8 lakh. So, you can earn up to Rs. 6,000 worth of travel vouchers on spending Rs. 8 lakh in a year. These vouchers can only be redeemed against EaseMyTrip flight bookings.

Travel Benefits

Airport Lounge Access: Both primary and add-on cardholders can avail –

• Priority Pass membership with unlimited access to 1,300+ international lounges in 148 countries and 600 cities worldwide
• Unlimited domestic lounge access at select Indian airports

No Travel Cancellation Charges: Get a refund of up to Rs. 12,000 annually on maximum of 2 air travel or hotel booking cancellations.

Insurance Cover

You can benefit from the extensive insurance cover provided with the ICICI Emeralde Private Metal credit card which provides cover for the following:

• Rs. 3 crore cover for personal accidental death due to air
• Rs. 1.4 lakh purchase protection cover
• Rs. 1 lakh credit shield and Rs. 50,000 card liability cover
• Cover of Rs. 84,000 for loss & Rs. 21,000 for delay of checked-in baggage
• Rs. 75,000 cover for plane hijacking
• Rs. 50,000 cover for medical expenses for bodily injury due to rail/road accident
• Rs. 35,000 cover for loss of passport and travel related documents
• Baggage insurance cover of Rs. 25,000
• Rs. 21,000 cover for missing connecting international flight during transit
• Rs. 17,500 cover for delay in flight

Other Benefits & Features

• Golf Benefits: Avail unlimited golf lessons or rounds every month by creating a Golftripz account to book your 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.
• BookMyShow Offer: Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings twice a month.
• Fee Waiver: Annual fee reversed on annual spends of Rs. 10 lakh.
• 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.
• Fuel Surcharge Waiver: 1% waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000.

ICICI Emeralde Private Metal credit 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. Its 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.

Opt for this credit card if:

• You are a high spender to be able to maximise your reward accrual
• You can reach the annual spends of Rs. 10 lakh to avail the annual fee reversal benefit
• You are a frequent traveller looking for a card to help you minimise loss on booking cancellations and avail free lounge visits & travel insurance
• You like attending events or watching movies and want to save on such bookings on BookMyShow
• You want a card with all-round benefits rather than a card with benefits focused on a particular category.