BEST IN CLASS REWARDS STRUCTURE (UP TO 36%) AND LIFESTYLE BENEFITS

ICICI Bank Emeralde Private Metal Credit Card

ICICI Bank Emeralde Private Metal Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
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36% reward on hotel bookings
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18% reward on flight bookings & gift vouchers
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3% reward on other card spends
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Unlimited domestic & international airport lounge access
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Unlimited golf rounds both in India and abroad
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2 free BookMyShow movie tickets (up to ₹750 each), per month
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Complimentary EazyDiner Prime membership
Annual Fee

₹12499

Minimum Income

Invite Only

Annual Fee Offers
  • Welcome Offer: 12,500 reward points worth ₹12,500, Taj Epicure Membership with free one-night stay
  • Renewal Offer: Annual fee waiver at ₹10 lakh annual spend, else 12500 reward points worth ₹12,500 on payment of annual fee

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

  • Hotel bookings: 36% rewards (36 points per ₹100)
  • Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

  • 3 points per ₹100
  • Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

  • Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
  • Grocery purchases: 1,000 reward points
  • Utility bill payments: 1,000 reward points 
  • Education payments: 1,000 reward points 
  • Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

  • Flight and hotel bookings
  • Select brand vouchers

- Lower Value Redemptions

  • Cashback: 1 point = ₹0.40
  • Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

  • ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
  • ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

  • Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
  • Unlimited complimentary golf rounds (India & abroad)
  • 2% foreign exchange fee (lower than standard rates)
  • Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

  • Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
  • 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

  • Ongoing EazyDiner Prime membership
  • Fuel surcharge waiver up to ₹1,000 per month
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Benefits

  • Industry-leading reward rates on card spending, especially travel
  • Comprehensive lifestyle benefits including unlimited golf and lounge access
  • Free movie tickets (2 per month) - not available in competitor cards like HDFC Infinia
  • Reasonable annual fee compared to some popular super-premium cards like Axis Burgundy

Drawbacks to consider

  • Invite-only eligibility limits accessibility
  • Caps on accelerated reward points can disadvantage high spenders
  • Changing policies on popular e-voucher purchases on ICICI iSHOP platform (like Amazon Pay vouchers)
  • Does not offer a strong airline/ hotel points transfer program, especially compared to Axis & HSBC super-premium credit cards
  • Lower redemption value for non-travel options, hence more suitable for frequent travelers

To read the full review of the card , please click here
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ICICI Bank Emeralde Private Metal Credit Card is a super-premium ICICI credit card that offers complimentary EazyDiner membership, enabling cardholders to earn attractive discounts at EazyDiner restaurants. The card also offers world-class lifestyle benefits like Taj Epicure membership as a welcome offer, complimentary airport lounge access both in India and abroad, complimentary golf rounds both in India and abroad, and free movie tickets.

Consumers not meeting the eligibility criteria for super-premium credit cards can look at other credit cards with best dining offers.

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