ICICI Bank Emeralde Private Metal Credit Card
The ICICI Bank Emeralde Private Metal Credit Card is a premium credit card with many luxury benefits. It costs ₹12,499 + GST to join and comes in a metal design. The card gives you free access to airport lounges (in India and abroad), free golf games, and movie tickets worth ₹1,500 every month on BookMyShow. As a welcome gift, you get 12,500 reward points, a free 1-year Taj Epicure membership, and an EazyDiner Prime membership that renews every year. You earn 6 reward points for every ₹200 spent, which gives you about 3% value back.
This is ICICI Bank’s top-level credit card and is great for people who travel often or spend a lot. You also get flight vouchers from EaseMyTrip when you reach certain spending limits, along with travel insurance and purchase protection. The card charges only 2% extra on foreign currency spends, which is lower than most cards. If you cancel a flight or ticket booked with this card, you can get up to ₹12,000 back (twice a year). Unlike many cards, this ICICI Bank Emeralde Private Metal Credit Card also gives rewards on spending like rent, insurance, and utility bills. Overall, it's a great card for people who want luxury features and rewards on most of their spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
ICICI Emeralde Private Metal Credit Card – Luxury, Lifestyle, and Exclusive Privileges
The ICICI Emeralde Private Metal Credit Card is among the most premium offerings from ICICI Bank. It is crafted for people who enjoy luxury, travel frequently, and expect superior lifestyle benefits. This card stands out for its unmatched privileges in travel, dining, entertainment, and wellness. It also offers exclusive memberships and concierge support that make everyday experiences more convenient and rewarding.
Whether you are a frequent flyer, a business professional, or someone who enjoys luxury experiences, the ICICI Emeralde Private Metal Credit Card gives you access to elite privileges and personal assistance across the world.
Welcome Benefits and Complimentary Memberships
When you pay the full joining fee for this card, ICICI Bank rewards you with premium welcome gifts that redefine luxury. Within 45 days of activation, you receive complimentary memberships designed to make your lifestyle more enjoyable and convenient.
Taj Epicure Membership with Complimentary Stay
One of the main highlights of the welcome package is the Taj Epicure Membership. You get this membership for one year along with a complimentary one-night stay at selected Taj Hotels. This benefit alone can save you several thousand rupees on luxury stays and dining.
Taj Epicure Members also enjoy 25 percent off on food and drinks for up to ten guests at Taj Hotels. You get 20 percent off when ordering through the Qmin App, 20 percent off at Jiva Spas, and 20 percent off on salon services. The membership also includes 20 percent off on banquet food for up to thirty guests, perfect for hosting family events or business dinners.
In addition, you receive vouchers offering 20 percent discounts on room bookings at Taj Hotels and Taj Palaces. This includes destinations like Taj Safaris, making it ideal for people who love luxury travel.
EazyDiner Prime Membership
Every cardholder receives a 12-month EazyDiner Prime Membership, which is renewed each year with the card. This membership allows you to enjoy exclusive dining benefits at more than 3,000 restaurants across major cities in India and Dubai. You get guaranteed discounts of 25 to 50 percent on food bills, priority reservations, and special deals for special occasions.
New members also receive 2,000 Eazypoints on activation, which can be used for future bookings. On your birthday or anniversary, you get a complimentary dessert or cake at select restaurants, making dining out more memorable.
Reward Points and Redemption Flexibility
The ICICI Emeralde Private Metal Credit Card offers one of the most generous reward systems among premium cards in India. You earn six ICICI Bank reward points for every ₹200 spent on eligible transactions, allowing you to accumulate points faster.
However, certain categories like fuel, rent, government payments, and taxes do not earn reward points. For balance and fairness, ICICI Bank has set monthly limits for a few categories:
- 1,000 points for grocery transactions
- 1,000 points for education
- 5,000 points for insurance
- 1,000 points for utility payments
Your reward points can be redeemed easily through the ICICI Rewards Catalogue for hotel stays, flight bookings, gift cards, and premium products. The redemption value depends on your choice:
- ₹1 for travel or luxury brand vouchers
- ₹0.60 for catalog merchandise
- ₹0.40 for statement credit
You can also transfer your points to the Air India Flying Returns program at a 1:1 ratio, which is a great option for frequent flyers who prefer redeeming miles instead of cashback.
Milestone Rewards and Annual Renewal Benefits
ICICI Bank encourages cardholders to make the most of their spending with milestone rewards. On reaching ₹8 lakh in annual spending, you get EaseMyTrip vouchers worth ₹6,000. These vouchers can be used for flight bookings, hotel stays, or holiday packages, giving you the freedom to travel the way you want.
In addition, every time you renew your card by paying the annual fee, you get 12,500 bonus reward points. This adds more value and ensures that your benefits continue year after year.
Travel Privileges and Airport Lounge Access
The ICICI Emeralde Private Metal Credit Card makes travel comfortable and stress-free. You get unlimited complimentary access to domestic airport lounges across India for both the main and add-on cardholders. This benefit is perfect for frequent business or leisure travelers.
International travelers enjoy a complimentary Priority Pass membership that provides unlimited access to more than 1,300 airport lounges worldwide. Whether you are traveling to New York, Dubai, London, or Singapore, you can relax in luxury before your flight.
The card also protects you against unexpected travel cancellations. You can get up to ₹12,000 per year refunded for cancelled flight or hotel bookings made with your card. This protection applies to two cancellations per year and even includes movie ticket refunds.
Entertainment and Lifestyle Benefits
For movie and event lovers, the card offers attractive BookMyShow privileges. When you buy one ticket for a movie, play, concert, or sports event, you get up to ₹750 off on the second ticket. This offer can be used twice every month, saving you up to ₹1,500 monthly on entertainment.
Golf enthusiasts can enjoy unlimited complimentary golf rounds and coaching sessions at top courses worldwide. This includes access to some of the most prestigious golf clubs in India, Dubai, Singapore, and Thailand.
Concierge Assistance and 24x7 Support
The ICICI Emeralde Private Metal Credit Card includes a 24x7 i-Assist Concierge Service that takes care of your lifestyle needs. You can call the dedicated helpline at 1800 26 70731 for help with restaurant reservations, hotel bookings, travel arrangements, and event planning.
The service also assists with flower or gift deliveries, car rentals, and emergency support during medical or vehicle-related situations. It works like a personal assistant, making your life easier and more organized.
Insurance and Safety Benefits
ICICI Bank ensures your safety and financial protection through comprehensive insurance coverage. With this credit card, you get the following:
- ₹3 crore for air accident death insurance
- ₹1 lakh credit shield
- ₹84,000 for lost baggage
- ₹35,000 for lost passport or documents
- ₹21,000 for delayed baggage or missed connections
- ₹75,000 for plane hijack incidents
- ₹17,500 for flight delays
- ₹50,000 for medical expenses abroad
- ₹1.4 lakh for purchase protection
- ₹50,000 card liability protection
This makes the card extremely secure for travelers and professionals who are often on the move.
Forex Markup, Fuel Waiver, and Charges
The ICICI Emeralde Private Metal Credit Card offers one of the lowest foreign exchange markup fees in India at just 2 percent per transaction. This helps you save more on international shopping, dining, and hotel stays.
You also get a 1 percent fuel surcharge waiver on transactions below ₹4,000, up to ₹1,000 per statement cycle.
The joining and annual fee is ₹12,499 plus taxes, which is waived if your annual spending crosses ₹10 lakhs. The card has an interest rate of 3.75 percent per month (45 percent annually), and a forex markup of only 1.99 percent per transaction. There are no cash advance fees.
Why Choose the ICICI Emeralde Private Metal Credit Card
If you want a premium credit card that delivers luxury, global access, and elite privileges, the ICICI Emeralde Private Metal Credit Card is one of the best choices in India. It is designed for high-spending individuals who appreciate comfort, travel frequently, and prefer a single card for all lifestyle needs.
With complimentary memberships, milestone rewards, airport lounge access, travel protection, and concierge services, the card provides unmatched value for its cost. It combines rewards, safety, and exclusivity in one premium package.
ICICI Emeralde Private Metal Credit Card Review
The ICICI Emeralde Private Metal Credit Card is more than just a payment card. It is a lifestyle companion that brings global benefits to your fingertips. From free stays at Taj Hotels to unlimited airport lounge access and luxury insurance coverage, every feature of this card enhances your daily experiences.
If you are looking for a premium credit card that reflects your success and supports your lifestyle, the ICICI Emeralde Private Metal Credit Card is a perfect fit for you.
What kind of airport lounge access do I get with this card?
With the ICICI Bank Emeralde Private Metal Credit Card, you can enjoy unlimited access to domestic airport lounges across India. It also comes with a Priority Pass that gives you access to international lounges. Both the main cardholder and any add-on members can use this benefit.
What do I get when I spend a big amount on this card?
If you spend ₹8 lakhs or more in a year using this card, ICICI Bank gives you two flight vouchers worth ₹3,000 each through EaseMyTrip, as a reward for reaching the spending milestone.
What kind of welcome gifts do I receive?
When you get the card and pay the joining fee, you’ll receive 12,500 reward points, a free one-night stay with the Taj Epicure membership, and a one-year free EazyDiner Prime membership. These benefits make the card quite valuable from the start.
Can I cancel hotel or flight bookings without paying extra?
Yes, if you book travel or hotel stays using this card, you can cancel them without paying any cancellation fee. Plus, you can get a refund of up to ₹12,000 per year for cancellations, limited to two times a year.
What rewards do I earn when I spend using the card?
You earn 6 reward points for every ₹200 you spend on most purchases. The reward rate is roughly 3%, which is quite good for a premium credit card.
How do I contact ICICI Bank for card-related help?
If you have any questions or need help with your card, you can reach ICICI Bank customer care by calling 1800 1080.
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