ICICI Emeralde Private Metal Credit Card
Travel
Lounge Access
Reward Points
1st Year Fee: ₹12,499* Plus Applicable Taxes
Reward Rate
3% value-back across all spending categories
Lounge Access
Unlimited domestic & international access
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 an invite-only premium credit card catering to high-income individuals. Offering 3% value-back across all spends, unlimited lounge access, unlimited golf rounds, movie and dining benefits,this card compliments the diverse needs of high-spenders.
While the card’s base reward rate may not be the most competitive among premium cards, consumers can leverage the reward acceleration offered on the iShop Platform to maximize travel value. Benefits like unlimited domestic and international lounge access, EaseMyTrip vouchers as milestone benefits, lower forex mark-up and trip cancellation insurance cover make it particularly appealing for frequent travellers. Notably, the unlimited lounge access extends to both primary and add-on members.
Another major advantage is the inclusion of insurance, education and utilities in the reward program, which are generally excluded from credit card reward programs, offering considerable saving opportunities. Emeralde Private Metal can be a rewarding all-rounder option for consumers who spend a significant amount on travel and lifestyle categories.
Note: This is an invite-only credit card. Content on this page is for information purpose only.
Rewards & Travel Benefits
Rewards Program
- 6 ICICI reward points on every Rs. 200 spent1 including grocery, education, insurance and utilities transactions2
- 6X rewards on flights/vouchers and 12X rewards on hotel bookings through iShop
- 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
Travel Benefits
- 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
- Joining and Renewal Benefit: 1-year Taj Epicure membership4 as joining benefit and 12,500 bonus reward points on card activation and renewal (applicable on payment of joining/annual fee)
- 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 Privilege: Unlimited golf lessons or rounds every month by creating a Golftripz account to book slots.
- Dining Offer: Complimentary EazyDiner membership 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.
ICICI Emeralde Private Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 12,499 + Taxes |
| Annual Fee | Rs. 12,499 + Taxes (reversed on spending Rs. 10 Lakh in the preceding year) |
| Card Replacement Fee | Rs. 3,500 |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Cash Withdrawal Charges | Nil |
Things to Know Before you apply
Get this card if:
You are a high spender and would 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
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What do we like about this card?
Like most premium cards, the benefits on ICICI Emeralde Private Metal Card span multiple categories including shopping, travel, dining, movies, golf and more. With a 1:1 redemption ratio and accelerated earning through iShop, the card presents strong value for high-spenders and travellers. Lounge access, trip cancellation cover and low forex mark-up further enhance its travel appeal. However, the card still does not offer point-to-mile conversion – a key benefit on most premium cards – which could be a drawback for some users. Hence, this card is suited for those who spend significantly and are comfortable redeeming points for vouchers, products, etc.
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
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.
- Taj Epicure Membership comes with 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)
- Rewards on utility/ insurance capped at maximum spend value of Rs. 80,000 per month; on grocery spends capped at Rs. 40,000 per month and at Rs. 50,000 per month for fuel spends.
- A 1% transaction fee is applicable on education payments made via third party apps, utility spends above Rs. 50,000 per month and fuel spends above Rs. 10,000 per month.
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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