ICICI Bank Emeralde Private Metal Credit Card Detail Review

ShavirB

Founder
Staff member
ICICI Bank Emeralde Private Metal Credit Card Review:


Welcome Benefits:

  • You get a free Taj Epicure membership for a year, a stay voucher, and EazyDiner Prime membership annually.
  • Plus, a nice bonus of 12,500 reward points after you pay the annual fee each year, which is Rs. 12,499 + GST

Main Benefits:
  • This card gives you unlimited golf, domestic and international lounge access, which is great for travelers.
  • The movie ticket deal from BookMyShow can save you some cash if you're a movie buff.
  • They also offer refunds on some ticket bookings and reduced markup fees for currency conversion.

Costs:
  • The joining and annual fee is a hefty Rs. 12,499 + taxes.
  • You can dodge the annual fee next year if you spend a whopping Rs. 10 lakhs.

Reward Points:
  • You get 6 points for every Rs. 200 spent, each point worth a rupee.
  • But, you won't rack up points for rent and fuel expenses.
  • There's a cap on rewards for groceries, utilities, education, insurance, and tax payments.

Milestone Benefits:
  • If you spend a lot, like Rs. 8 lakhs in a year, you get air travel vouchers from EaseMyTrip which could be a nice bonus.

Final Take: This card is a mix of luxury and practical perks, but it's not cheap. It's more suited for high-spenders who can use all the benefits to justify the fees. For average spenders, the fees might outweigh the perks unless you're sure to use every single benefit. If you're not into golf or lounges and just want a straightforward rewards card, you might want to shop around.
 

prxnshh

KF Rookie
when i last checked, this card doesn't offer lounge access at the domestic terminal of Delhi which is a major thumbs down.
 
Top