ICICI Bank Emeralde Private Metal Credit Card
Joining Fee: ₹12,499 + GST
Renewal Fee: ₹12,499 + GST
Reward Type: Reward Points
Updated On: 15 February, 2025
ICICI Bank Emeralde Private Metal Credit Card Detailed Review 2025
Welcome Benefits
Exclusive Perks for Full Fee Payment: Cardholders who pay the full joining fee get 12,500 bonus reward points.
Taj Epicure Membership with Complimentary 1-Night Stay
Taj Epicure Membership: Receive the Taj Epicure Membership as part of the welcome package, which includes a complimentary one-night stay at participating Taj hotels and is valid for one year.
Dining & Takeaway Discounts: Enjoy a 25% discount on food and beverages for both dining in and takeaway, applicable for up to 10 people at participating Taj hotels.
Qmin App Savings: Avail of a 20% discount on food orders made through the Qmin application, bringing gourmet Taj offerings straight to your door.
Relaxation at Jiva Spas: Get a 20% discount on services at Jiva Spas across participating Taj hotels.
Banquet & Salon Services: Receive a 20% discount on food and beverages for banquets with up to 30 guests, and on salon services at participating Taj hotels.
Exclusive One-Time Use Vouchers
Room & Suite Discounts: Avail of a 20% discount on the Best Available Rate for Rooms and Suites at participating Taj hotels.
Taj Palaces and Safaris: Enjoy a 20% discount on Rooms and Suites at Taj Palaces and Taj Safaris, applicable for stays of up to 5 nights.
Complimentary EazyDiner Prime Membership
12-Month EazyDiner Prime Access: Upon card renewal, receive a complimentary 12-month EazyDiner Prime membership, unlocking exclusive dining privileges.
Dining Discounts: Get a minimum of 25% and up to 50% off at over 3,000 top restaurants in Dubai and India.
Celebratory Treats: Enjoy a complimentary dessert or cake at select restaurants on your birthday or wedding anniversary.
Onboarding Bonus: Earn 2,000 bonus Eazypoints as a welcome gift when you activate your EazyDiner Prime membership.
Reward Points
Earning Rate: 6 ICICI Reward Points for every Rs. 200 spent on eligible transactions. ~3% base reward rate
Exclusions: No points for transactions in categories such as Fuel, Tax, and Rent Payments.
Capping Limits:
Grocery: 1000 points per statement.
Education: 1000 points per statement.
Insurance: 5000 points per statement.
Utility: 1000 points per statement.
Accelerated Reward Points
Applicable on bookings/purchases done from https://ishop.reward360.in
12X rewards on hotel & stay bookings ~ 36% rewards
6X rewards on Shopping Vouchers, Flight & Bus ticket bookings ~ 12% rewards
Shopping Vouchers Include Brands Like: Amazon Pay, Myntra, Ajio, Flikart, Nykaa Fashion etc
ICICI Bank Emeralde Private Metal Credit Card offers 18% reward points on buying Amazon Pay Gift Cards from https://ishop.reward360.in making it one of the best credit cards for this purpose.
*Acclerated reward Points Capped at 18000 points per month.
Reward Redemption
Reward Points can be redeemed flexibly for:
Category | Redeem Points Upto |
Flights | 95% of transaction value |
Hotels | 90% of transaction value |
Shopping Vouchers | 50% of transaction value |
Value of 1 RP for Flights & Hotel redemption = ₹1
Value of 1 RP for e-voucher redemption = ₹0.6
Difference has to be paid by cash
Cash Redemption: 1 RP = ₹0.40
Other Key Features
Milestone Benefit: Spend Rs. 8 Lakhs annually to receive Rs. 6000 in EaseMyTrip Air Travel vouchers (two Rs. 3000 vouchers issued once per year).
Bonus Reward Points: Earn 12,500 bonus ICICI Reward Points annually upon paying the membership fee.
Golf Benefits: Unlimited complimentary golf rounds and lessons at select international golf courses.
Movie Discounts: Buy one movie ticket and get up to Rs. 750 off on a second ticket for movies, theatre shows, concerts, and sports events, available up to twice a month through BookMyShow.
Domestic Lounge Access: Unlimited access to domestic airport lounges in India for both primary and add-on cardholders.
International Lounge Access: Complimentary Priority Pass Membership for unlimited access to international airport lounges.
Cancellation Charges: No cancellation charges on travel, flight, hotel, and movie ticket bookings. Refunds up to Rs. 12,000 for cancellations of flight/hotel bookings (maximum twice per year).
Concierge Services: 24/7 concierge assistance via i-Assist, available in New Delhi, Mumbai, Bengaluru, and Chennai. Services include flight reservations, hotel bookings, car rentals, and more.
Insurance Benefits
| Insurance Category | Coverage Amount |
|---|---|
| Personal Air Accident Death | Rs. 3 Crore |
| Credit Shield | Rs. 1 Lakh |
| Baggage Insurance | Rs. 25,000 |
| Loss of Travel Documents and Passport | Rs. 35,000 |
| Loss of Check-In Baggage | Rs. 84,000 |
| Delay of Check-In Baggage | Rs. 21,000 |
| Missed Connection International Flight | Rs. 21,000 |
| Plane Hijack | Rs. 75,000 |
| Delay in Flight | Rs. 17,500 |
| Card Liability Cover | Rs. 50,000 |
| Medical Expenses | Rs. 50,000 |
| Purchase Protection Cover | Rs. 1,40,000 |
Additional Benefits
Forex Markup Fee
Fee: 2% of the total transaction amount.
Advantage: Lower than the standard market rate, ideal for frequent foreign currency spenders.
Annual Fee Waiver
Waiver Threshold: Spend Rs. 10 Lakhs or more in the card anniversary year.
Annual Fee: Rs. 12,499 can be waived if the spending threshold is met.
Fuel Surcharge Waiver
Waiver: 1% on fuel transactions below Rs. 4,000.
Maximum Waiver: Up to Rs. 1,000 per statement cycle.
Summary
If you're in search of a super-premium credit card that is a direct competitor to HDFC Infinia, the ICICI Bank Emeralde Private Metal Credit Card might be the ideal choice. With a high joining fee of Rs. 12,499 plus taxes, it offers a range of exclusive travel and lifestyle benefits. Frequent travelers will find this card especially advantageous, thanks to features like Taj Epicure membership, complimentary lounge access, and a cancellation cover of up to Rs. 12,000 on flight and hotel bookings. Additionally, it has a low forex markup fee of 1.99% and high reward rates with flexible redemption options. For those who value premium lifestyle benefits, this card delivers a top-tier experience.