ICICI Emeralde Private Metal Credit Card

Siddarth

The ICICI Emeralde Private Metal Credit Card is pretty special. It’s an invite-only card from ICICI Bank, aimed at a select group of folks who enjoy some exclusive perks that really boost travel, lifestyle, and rewards.

Benefits of ICICI Emeralde Private Metal Credit Card

Exclusivity: This is ICICI Bank's premium, invite-only credit card, meant for the VIPs.
Unlimited Lounge Access: Provides unlimited free lounge access at domestic and international airports for both primary and add-on cardholders, including Priority Pass. This is a big benefit for frequent travelers.
No Cancellation Fees: Cancel hotel and flight bookings without worrying about fees, up to ₹12,000 across two transactions each year.
Free Memberships: Get a free year of Taj Epicure with those “buy one get one free” deals at Taj. Free EasyDiner Prime membership for discounts at partner restaurants.
Entertainment Perks: Enjoy "buy one get one free" tickets on BookMyShow for movies or sports, with a potential savings of up to ₹750 on that second ticket.
Golf Perks: Unlimited free golf rounds and lessons, plus you can snag four free lessons each month if you meet the spending requirement.
Always-On Concierge Service: There’s a 24/7 concierge ready to help you with travel plans or special arrangements.

Other Benefits:

Fuel Surcharge Waiver: Offers a 1% fuel surcharge waiver on transactions up to ₹4,000, with a maximum waiver of ₹100 per billing cycle.
Insurance Coverage: Provides Air Accidental Death Coverage of ₹3 crore and other significant insurance covers.
Birthday Voucher: A ₹5,000 Tata CLiQ digital voucher on your birthday.
Dining Discounts: Up to 15% discount at ICICI Bank's partner restaurants.
Additional Protections: Includes purchase protection.
Health & Wellness Benefit: Offers 50% off on annual Gold's Gym membership.
Convenience Features: Comes with Tap & Pay functionality for easy transactions.
No Extra Charges: No extra charges for cash advance or over-limit transactions

Rewards:

You earn 6 reward points for every ₹200 spent. Each point is worth ₹1, but it can be worth as low as 25 paise for e-vouchers or up to ₹1 when redeemed with Marriott.
Just keep in mind, there are some limits on how many points you can earn each billing cycle:
a) Max 5,000 points for insurance payments.
b) Max 1,000 points for groceries, utilities, and education.

Joining Fees:

The joining fee is ₹12,499 plus taxes (or ₹12,000 plus GST), and that covers the first-year memberships for Taj Epicure and EasyDiner Prime.

You might not have to pay the annual fee if you rack up ₹10 lakh in spending the previous year, or even at ₹15 lakh according to some sources. Plus, there's a monthly plan option where if you spend ₹1 lakh in the previous month, you can waive the ₹1,000 monthly fee.

Eligibility:

This card is strictly invite-only. You’ll need to be at least 21 years old and if you’re salaried, your monthly salary should be ₹3 lakh. If you’re self-employed, you need an annual turnover (ITR) of over ₹60 lakh, plus a strong credit score.

How to Apply:

Getting the ICICI Emeralde Private Metal Credit Card is simple. Just hop on to the card’s official page on ICICI’s website and fill out the application form. Make sure you have the necessary documents ready: your ID proof, address proof for KYC, and income proof, like salary slips or your ITR.

In short, this card is pretty awesome if you love to travel, dine, and enjoy some exclusive perks!