ICICI Bank Emeralde Credit Card

The ICICI Emeralde Credit Card is a premium offering that caters to the lifestyle needs of the high-income groups. Though the card now has an upgraded variant in the metal edition—the ICICI Emeralde Private, Emeralde still holds a good return to offer to the consumers who seek overall lifestyle benefits in a single card. Cardholders can earn up to 4 reward points per Rs. 100, including the often excluded transactions like utilities and insurance, free movie tickets via BookMyShow, complimentary golf rounds, shopping vouchers, unlimited lounge access, and much more.

In comparison to Emeralde Private and other premium cards like HDFC Diners Club Black, HDFC Infinia, etc., Emeralde offers a very low per-redemption value of Rs. 0.25 and limited redemption options. However, now the launch of the iShop portal has somewhat compensated for this low reward rate. Card users can earn an accelerated 6% reward rate on flights and voucher purchases and 12% on hotel bookings, enhancing the overall value-back potential for frequent shoppers and travelers. If you don’t mind sticking to iShop for your travel bookings and shopping via vouchers, you can easily maximize the reward benefits on the card. But users seeking straightforward reward benefits with a good value-back can consider other options like HDFC Diners Club Black, ICICI Emerald Private, etc.

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