Key Features & Benefits
- ✦6 ICICI Reward Points per ₹100 on all eligible spends
- ✦Up to 36% reward rate on hotel bookings via iShop portal
- ✦Up to 12X reward points on travel bookings via iShop
- ✦Unlimited complimentary domestic airport lounge access
- ✦Unlimited international lounge access via Priority Pass
- ✦3 complimentary golf rounds per month at premium courses
- ✦Complimentary ITC One membership
- ✦2 complimentary movie tickets/month via BookMyShow
- ✦1.5% forex markup — one of lowest in premium segment
- ✦Air accident insurance cover up to ₹3 crore
- ✦Comprehensive travel & purchase protection insurance
- ✦24×7 dedicated concierge — travel, dining, lifestyle
- ✦Hotel status at ITC, Marriott, and partner properties
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Welcome & Joining Benefits
- ✦Welcome benefits worth up to ₹10,000 on card activation
- ✦Complimentary ITC One membership
- ✦Joining gift vouchers from select luxury brands
Milestone Benefits
- ✦₹10L spend → bonus reward points / voucher benefit
- ✦₹15L spend → annual fee waiver
Pros & Cons
✓ Advantages
- ✓Best reward rate among ICICI cards — up to 36% via iShop
- ✓Unlimited domestic + international lounge — no quarterly limit
- ✓ITC One + hotel stay benefits across premium chains
- ✓Low 1.5% forex markup for international use
- ✓3 golf rounds/month — good for business networking
- ✓Metal card with premium feel
✗ Disadvantages
- ✗₹12,499 is a high annual fee
- ✗iShop portal required for maximum rewards — locked ecosystem
- ✗ICICI Reward Point redemption (₹0.25/pt) less valuable vs some competitors
Frequently Asked Questions
How is Emeralde Private Metal different from regular Emeralde?▼
The Private Metal variant is a full metal card with higher reward rates (6X vs 4X), better forex markup (1.5% vs 3.5%), ITC One membership, and unlimited lounge access. The regular Emeralde is a standard plastic card with fewer perks.
Can I transfer reward points to airline miles?▼
Yes, ICICI Reward Points can be converted to InterMiles and select airline miles programs. Check the current transfer partners and ratios on the ICICI Bank website.
Is the 36% reward rate on iShop available for all purchases?▼
The 36% is specifically for hotel bookings via ICICI Bank's iShop portal. Flights earn up to 12X (12%). Regular card spends earn 6X (approximately 1.5% value at standard redemption).
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