ICICI Emeralde Private Metal Credit Card Review

The ICICI Emeralde Private Metal Credit Card is a premium offering that is meticulously crafted for the discerning few who desire exclusivity and a variety of special privileges in their financial products. It truly stands out. This card is an ideal choice for high-net-worth individuals who prefer a seamless combination of luxury, convenience, and superior financial flexibility. It is made from metal, which emanates a unique sense of sophistication and durability. Starting with a joining fee of INR 12,499, the card provides a plethora of welcoming benefits, such as a Taj Epicure Membership and 12,500 ICICI Rewards Points, thereby establishing the foundation for an exceptional experience.

Besides these initial benefits, cardholders are entitled to milestone benefits, including EaseMyTrip travel vouchers and a variety of other benefits, including a 1% fuel surcharge waiver, exclusive BookMyShow movie benefits, and a comprehensive insurance coverage of INR 3 crore. Providing significant value and peace of mind for frequent travelers, the card’s zero cancellation charges on flight ticket reservations are complemented by a cover of INR 12,000 per year.

Overview:

Type of Card	Luxury Card
Joining Fees	Rs 12,499
Annual Fees	Rs 12,499*
Lounge Access	Unlimited International and Domestic Trip
Welcome Benefits	Taj Epicure Membership, 12,500 ICICI Reward Points, Eazydiner Prime membership every year

Joining Fees: Rs 12,499

Annual Fees: Rs 12,499* (1 Condition is there)

Condition: This fee is reversed, if spends of Rs 10 lakh or above are done on the card.

The ICICI Bank Emeralde Private Metal Credit Card comes with an annual fee of Rs 12,499, which reflects its premium status and the exclusive benefits it offers. However, this fee is waived if you achieve spend of Rs 10 lakh or more on the card within a given year. This means that as long as your spending meets or exceeds this threshold, the annual fee will be reversed in the following card anniversary year, making it a highly rewarding option for those who frequently use their card for significant transactions. This feature ensures that high spenders can enjoy the card’s luxury benefits without the additional cost, further enhancing its value proposition.

Bank Wordings As it is:

If total spends on the Credit Card is equal to or more than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall be reversed. If total spends on the Credit Card is less than this amount during an anniversary year, the Annual Fee applicable on the Credit Card for the subsequent year shall not get reversed. Spends through EMI transactions on Credit Card are not included in total spends calculation. Annual gifts will not be issued in case a customer receives benefit of Annual Fee reversal basis spend.

Benefits of Icici Emeralde Private Metal Credit Card

1. Welcome Benefits:

1.1 Complimentary Night Stay With Taj Epicure Membership (Validity- 1 Year)

1. 25% off F&B (Dine Takeaway)
2. 20% off on Qmin Food Deliveries
3. 20% off on Spa usage at hotels
4. 20% off on Salon Services
5. 20% off on Room/Suites at select hotels, Taj Palaces (max 5 nights)
6. 20% off on Room/Suites at Taj Safaris (max 5 nights)
7. One Night Stay inclusive of Breakfast for Two Persons
8. 20% Discount on BAR Rates across all participating Taj Palaces, Safaris, City Hotels & Resort Hotels

1.2 Complimentary Eazydiner Prime membership every year

1. Experience 12 months of complimentary EazyDiner Prime Membership
2. Guaranteed 25% to 50% discounts at 3000+ top restaurants in India and Dubai
3. Free cake or dessert at select restaurants on your special occasions
4. 2000 Eazypoints as an onboarding bonus.

1.3 Get 12,500 ICICI Reward Points

These points are credited in your reward account once every year upon 45 days of fee realisation and card activation. The value of 1 ICICI Reward Point is ₹1.

2. Annual Benefits of ICICI Emeralde Private Metal Credit Card:

2.1 Annual Bonus Reward Points

Get 12,500 ICICI Reward Points as an Annual Bonus. These points will be credited upon Annual fee realisation and the Value of each Reward Point is ₹1.

2.2 Complimentary Eazydiner Prime Membership Every Year

3. Milestone Benefitsof ICICI Emeralde Private Metal Credit Card:

3.1 EaseMyTrip Travel Vouchers(1 Condition is there)

EaseMyTrip Air Travel Vouchers worth ₹6,000 (Two vouchers worth ₹3,000 each) with annual spends of ₹8 Lakhs.

Condition: You will receive 1st EaseMyTrip voucher on spending ₹4 Lakhs and 2nd EaseMyTrip voucher on reaching spends of ₹8 Lakhs in an anniversary year, and it can be used only for Flights with ONE Time Transaction Only.

Steps to redeem the voucher code for flight booking:

• Go to www.easemytrip.com website or app
• Select flight as per requirement
• Click on ‘Book Now’
• Enter the voucher code in the ‘Have a coupon code’ section on website and in ‘Promo code’ section on Mobile app.
• Proceed for payment of the reduced amount.

4. Fuel Benefits of ICICI Emeralde Private Metal Credit Card:

Fuel Surcharge waiver of 1% on all fuel transactions and Maximum waiver of ₹1000 per statement cycle can be provided.

5. Travel Benefits of ICICI Emeralde Private Metal Credit Card:

5.1 Lounge Access

1. Primary Cardmembers and Add-on Cardmembers can Enjoy UNLIMITED International Lounge access with Priority Pass Membership.
2. Primary Cardmembers & Add-on Cardmembers can Enjoy UNLIMITED complimentary lounge access in Indian Airports.

5.2 Cancellation charges(But there are few Conditions in it)

1. No Cancellation charges on Air Travel, Hotel and Movie Bookings
2. Get a refund of up to Rs 12,000 for a maximum of two transactions every year, for tickets booked using your ICICI Bank Emeralde Private Metal Credit Card only.

6. Movie Benefits of ICICI Emeralde Private Metal Credit Card:

Buy one ticket and get up to Rs 750 off on the second ticket up to 2 times in a month on movies/sports events/theatre/concert tickets through BookMyShow.

7. Golf Benefits of ICICI Emeralde Private Metal Credit Card:

The golf programme is available only for Primary cardmembers and Unlimited golf games can be enjoyed by Primary Cardmembers only.

8. Insurance Benefits of 7. Golf Benefits of ICICI Emeralde Private Metal Credit Card:

With ICICI Bank Emeralde Private Metal Credit Card, get complimentary insurance benefits:

Category	Cover Amount
Personal Accident due to Air (Death only)	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
Missing of Connecting International Flight During Transit	Rs. 21,000
Plane Hijack	Rs. 75,000
Delay in Flight	Rs. 17,500
Card Liability Cover (Lost Card Liability,Counterfeit/Skimming/Phishing and
Online Fraud Protection).	Rs. 50,000
Medical Expenses for Bodily injury caused by and arising out of Rail/Road accidents.	Rs. 50,000
Purchase Protection Cover	Rs. 1,40,000

Bank Wordings As it is:

All insurance benefits will be applicable only in case the ICICI Bank Emeralde Private Metal Credit Card has been used at least once in the last 60 days prior to the event. All insurance benefits are available on the Primary Card only. There is no insurance cover on Supplementary Cards. Please ensure that the minimum amount due on your Credit Card is paid at all times to avail of insurance benefits. Applicable for international travel only and not for domestic travel and only when the tickets are purchased on the ICICI Bank Emeralde Private Metal Credit Cards. Travel insurance covers international travel only.

9. Concierge Benefit:

The Team of ICICI Bank of service professionals at i-Assist, 24×7 concierge service takes care of your every need right from finding the right gift and making restaurant reservations to travel and hotel reservations, and even delivering movie tickets at your doorstep.

The services include :

• Restaurant referral and reservation
• Flower & gift assistance
• Flight Referral and reservation
• Hotel referral and reservation
• Car rental & limousine service
• Booking & delivery of movie tickets
• Medical concierge privileges
• Emergency auto assistance across India

10. Foreign Currency Transaction Benefit of Emeralde Private Metal Credit Card :

Mark-up of 2% will be levied for Emeralde Private Metal Credit Card.

Reward Points:

1. Earn 6 ICICI Bank Reward Points for every Rs 200 spent on retail transactions, excluding Tax, Fuel, and Rent payments.
2. Earn 6 ICICI Bank Reward Points for every Rs 200 spent on Grocery, Education, Utilities, and Insurance payments.

Condition on Rewards Points:

There is Capping in the Rewards Points.

• Reward Points earned on Insurance transactions will be capped at 5,000 Reward Points per statement cycle
• Reward Points earned on grocery transactions will be capped at 1,000 Reward Points per statement cycle
• Reward Points earned on Utilities transactions will be capped at 1,000 Reward Points per statement cycle
• Reward Points earned on Education transactions will be capped at 1,000 Reward Points per statement cycle

SPEND TYPE	REWARDS	REWARD RATE(FLIGHTS/HOTELS)	Max. Cap( Per Stmt Cycle)
Regular Spends	6 RP / 200 INR	3%	Nil
Grocery	6 RP / 200 INR	3%	1000 RP(Max: 33K INR spend)
Utilities	6 RP / 200 INR	3%	1000 RP(Max: 33K INR spend)
Education	6 RP / 200 INR	3%	1000 RP(Max: 33K INR spend)
Insurance Spends	6 RP / 200 INR	3%	5000 RP(Max: 1.67L spend)

Reward Points Redeem:

Redeem your ICICI Bank Reward Points across multiple categories such as Electronics, Lifestyle, Luxury, Shopping and Travel.

Redemption Category	Value of Reward Points (INR)
Flights and Hotel Vouchers 1	1
Apple, Tanishq, Tumi, Coach, Brooks Brother, Emporio Armani, Jimmy Choo, G-Star Raw, Canali & Mother Care Vouchers	1
Rewards Catalogue – other products	0.6
Statement Credit	0.4

Steps to redeem your ICICI Bank Reward Points:

• Internet Banking: Log in to Internet Banking > Cards & Loans > Credit Card > Reward Points
• iMobile App: Log in to iMobile Pay > Go to Cards & Forex > Select card number > Click on ‘Redeem Now’
• For redeeming Rewards against outstanding, you may call Customer Care at 1800 1080.

Eligibility Criteria:

This product can be issued by Invite Only. Please get in touch with your Relationship Manager for more information

Icici Emeralde Private Metal Credit Card Fees & Charges:

Joining Charge	12499
Annual Charge	12499
Overdue Interest on Extended Credit (Monthly)	3.4%
Interest on Cash Advances	3.4%
Card Replacement Fees	3500
Cash Advance Transaction Fees	NIL
Redemption Handling Fees	NIL
Overlimit Fees	NIL
Fuel Surchage	1%
Late Payment Charge	NIL

Our Conclusion:

In conclusion, the ICICI Emeralde Private Metal Credit Card is a great choice for people who like the better things in life and like to travel. This card is meant to meet the needs of people who want to make their financial transactions easy, safe, and high-class. It comes with a wide range of premium benefits, such as comprehensive insurance coverage, special travel benefits, and lifestyle perks that make life more luxurious. The ICICI Emeralde Private Metal Credit Card is great for the discerning traveler and luxury enthusiast because it lets you enjoy the best restaurants, access airport lounges around the world, or just enjoy the peace of mind that comes with full coverage insurance.