Key Features & Benefits
- ✦4 Reward Points per ₹100 on all eligible retail spends
- ✦1 Reward Point per ₹100 on utilities and insurance
- ✦Unlimited complimentary domestic airport lounge access
- ✦Unlimited international lounge access via Priority Pass
- ✦2 free movie tickets per month via BookMyShow
- ✦3 complimentary golf rounds per month
- ✦1.5% forex markup — same as Private Metal variant
- ✦Air accident insurance cover up to ₹3 crore
- ✦Unique monthly plan option — pay ₹1,000/month instead of annual
- ✦Monthly spend waiver: ₹1L monthly spend = that month's fee waived
- ✦Lower interest rate vs other ICICI cards
- ✦24×7 concierge services
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Welcome & Joining Benefits
- ✦Travel & shopping vouchers worth ₹12,000+ on joining
- ✦Complimentary golf lesson voucher
- ✦Welcome gift from partner brands
Milestone Benefits
- ✦Monthly: ₹1L spend in any month → that month's ₹1,000 fee waived
- ✦Annual: ₹15L spend → full annual fee of ₹12,000 waived
Pros & Cons
✓ Advantages
- ✓Unique monthly/annual fee plan — flexible for variable spenders
- ✓Unlimited lounge access domestically and internationally
- ✓Monthly fee waiver achievable at ₹1L/month spend
- ✓1.5% forex markup — excellent for frequent international travellers
- ✓2 free movies/month — ₹24,000+ value annually
- ✓Lower interest rate than other ICICI cards
✗ Disadvantages
- ✗Monthly plan means paying even if card is not used that month
- ✗4X reward rate lower than Private Metal's 6X
- ✗Reward point value (₹0.25/pt) still standard ICICI rate
Frequently Asked Questions
Should I choose the monthly or annual plan?▼
If you consistently spend ₹1L+ per month, the monthly plan (₹1,000/month = ₹12,000/year) effectively costs you ₹0 since each month's fee is waived. If your spending is irregular, the annual plan is safer as the fee only posts once.
What's the difference between Emeralde and Emeralde Private Metal?▼
The Private Metal card is a premium metal version with 6X rewards (vs 4X), an additional ITC One membership, and metal card aesthetics. The standard Emeralde is a plastic card but otherwise very similar in lounge and travel benefits.
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