ICICI Bank
Emeralde Private Metal Credit Card
SimplifyCards take:A good fit if you want a card built for luxury, travel, and lounge
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Best for Hotels Via iShopBest for
72 Reward Points / ₹200 spent (12X)
!
Avoid if your spend is lowWatch out
The ₹ 12,499 fee waives only at ₹ 10 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for luxury, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on hotels via iShop
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Daily cap | Monthly cap |
|---|---|---|---|
| Hotels Via iShop | 72 Reward Points / ₹200 spent (12X) | 10,000 Reward Points | 18,000 Reward Points |
| Flights Via iShop | 36 Reward Points / ₹200 spent (6X) | 10,000 Reward Points | 18,000 Reward Points |
| Utility Spends | 6 Reward Points / ₹200 spent | - | 1,000 Reward Points |
| Grocery Spends | 6 Reward Points / ₹200 spent | - | 1,000 Reward Points |
| Education Spends | 6 Reward Points / ₹200 spent | - | 1,000 Reward Points |
| Insurance Spends | 6 Reward Points / ₹200 spent | - | 5,000 Reward Points |
| Other Spends | 6 Reward Points / ₹200 spent | - | - |
Redemption
Statement balanceupto ₹ 0.4 per point
iShop flight/hotelupto ₹ 1 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 1:1 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria
2
International loungeUnlimited visits per year
- Unlimited domestic and international lounge access applies to both primary and add-on cardholders, with no spend-based criteria
- Complimentary Priority Pass membership for both the primary and Plus cardholder
- Comp Priority Pass is provided to primary and Plus cardholders; guest visits are charged at USD 27 plus GST
3
MilestoneEaseMyTrip air travel voucher worth ₹3,000 on reaching ₹4 lakh annual spend
4
MilestoneAdditional EaseMyTrip air travel voucher worth ₹3,000 on reaching ₹8 lakh annual spend
5
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 12,500 ICICI Bank Reward Points on payment of joining fee
- Complimentary one-year Taj Epicure Plus membership including one-night stay voucher on card activation
- Complimentary one-year EazyDiner Prime membership on card activation
Renewal benefits
- 12,500 ICICI Bank Reward Points on payment of annual fee
- Complimentary annual renewal of Taj Epicure and EazyDiner Prime memberships
Additional benefits
- Unlimited complimentary golf rounds and lessons every month at premier courses
- Complimentary Priority Pass membership for both the primary and Plus cardholder
- Buy-One-Get-One (BOGO) movie, show or event tickets worth up to ₹750 via BookMyShow, up to twice a month
- Fuel surcharge waiver of 1% on transactions up to ₹4,000
Eligibility
Check this before you apply
Salaried
- Invite-only; typically offered to ICICI Bank Global Private Client / Private Banking customers
- Requires a net monthly salary of ₹3 Lakh or more
- Existing ICICI Bank credit cardholders with a credit limit of ₹10 Lakh or more are preferred
Self-employed
- Invite-only; typically offered to ICICI Bank Global Private Client / Private Banking customers
- Requires a high annual income / ITR (typically ₹36 Lakh or more)
- Existing ICICI Bank credit cardholders with a credit limit of ₹10 Lakh or more are preferred
Exclusions
Spending that does not earn reward points
- fuel transactions
- rent payments
- government transactions and services
- tax payments
- e-wallet loading
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