Want to know how much benefit you can get from the ICICI Bank Emeralde Private Metal Credit Card? We’ve broken it down for you with real numbers and simple logic. From reward points to luxury travel perks, here’s how this invite-only card can help you earn lakhs in value every year!
Cost of the Card- And How to Get it Waived
| Fee Type | Amount | Waiver Condition |
| Joining Fee | ₹12,499 + GST | No waiver |
| Annual Fee | ₹12,499 + GST | Waived on ₹10L annual spend |
If you spend ₹10 lakh annually, the card becomes free, and you still earn all the above benefits.
Quick Summary: What’s in it for you?
| Category | Estimated Annual Value (₹) |
| Reward Points (on ₹10L spends) | ₹30,000 – ₹60,000 |
| Lounge Access (Intl + Dom) | ₹50,000+ |
| Taj Epicure Membership | ₹20,000 |
| EazyDiner Prime + Discounts | ₹15,000 |
| Golf Rounds (Unlimited) | ₹25,000+ |
| EaseMyTrip Milestone Vouchers | ₹6,000 |
| Insurance Cover (Add-on) | ₹1+ Crore (non-monetary) |
| Total Annual Value | ₹1.4 Lakh+ |
Reward Points: Earn up to ₹60,000 per Year
You earn 6 points on every ₹200 spent, and you get higher points on hotel/flight bookings via iShop.
Base Spending (General Categories):
- Spend: ₹9 lakh in a year (excluding bonus categories)
- Points: ₹9,00,000 / ₹200 × 6 = 27,000 points
- Value (₹1/point for flights/hotels): ₹27,000
Bonus Categories (via iShop):
Assume ₹1 lakh spent on iShop travel (flights/hotels):
- Flights (6X) = 6 × 6 = 36 points per ₹200
- Hotels (12X) = 12 × 6 = 72 points per ₹200
If ₹50,000 is spent each:
- Flights: ₹50,000 / ₹200 × 36 = 9,000 points
- Hotels: ₹50,000 / ₹200 × 72 = 18,000 points
- Total Bonus Points = 27,000
- Value = ₹27,000
Total Points = 54,000
Max Value (if redeemed smartly): ₹54,000 to ₹60,000
Unlimited Lounge Access = ₹50,000+ Savings
Airport lounges typically charge ₹1,500-₹3,000 per visit.
Assuming:
- You travel monthly (12 times/year)
- You have 1 add-on cardholder
- Total lounge visits: 12 × 2 = 24
Savings = 24 × ₹2,000 = ₹48,000
And if you fly internationally more often? The value goes even higher.
Taj Epicure Membership = ₹20,000+ Value
Included benefits:
- Free night stay (₹8,000 avg)
- 25% discount on food: Assume 10 meals worth ₹3,000 each = ₹7,500 saved
- App offers & suite discounts: Another ₹5,000+
Total Value = ₹20,000+
Note: Only for the 1st year
EazyDiner Prime Dining = ₹15,000+ Value
Free EazyDiner Prime = Worth ₹2,000
Extra Perks:
- 25-50% off meals
- Free desserts on birthdays/anniversaries
Assuming:
- 1 meal/month is worth ₹3,000
- 30% avg discount = ₹900/month savings
Annual savings = ₹900 × 12 = ₹10,800
- Bonus points & offers = ₹15,000 total
Unlimited Golf Rounds = ₹25,000+ Value
Golf sessions cost ₹1,500-₹2,000 per round.
Assume:
- 1 round/month = 12 rounds/year
- ₹2,000 × 12 = ₹24,000+
Great for golfers!
Milestone Vouchers = ₹6,000 Free Travel
On spending ₹8 lakh in a year:
- ₹3,000 EaseMyTrip voucher (on ₹4L)
- ₹3,000 more on ₹8L
- Total = ₹6,000
Insurance & Protection (Non-Monetary But Crucial)
Some of the best in the industry:
- ₹3 crore Air Travel Accident Cover
- Lost luggage, passport, medical cover, and more
If you’re a frequent traveller, this is like a built-in global travel shield.
What to Keep in Mind (Limitations)
- Reward point caps apply to insurance, education, and grocery purchases
- Fuel, rent, wallet load – no reward points
- Hotel benefits (Taj) – only 1st year
- Cashback redemption capped at 50,000 points/month
Disclaimer: This article is for informational purposes. ICICI Bank Emeralde Private Metal Credit Card is an invite-only card. Check eligibility with your ICICI Relationship Manager.
Pro Tip: Use the MobiKwik App to Pay Credit Card Bills
Want extra cashback every time you pay your ICICI Credit Card bill?
Download the MobiKwik App and:
- Get instant cashback on your ICICI card bill payments
- Enjoy instant settlement with no delays
- Manage all your credit cards in one place
Start saving more just by repaying your card the smart way.
Is It Worth It?
Yes, if you:
- Spend ₹8-10 lakh+ per year
- Travel frequently (especially internationally)
- Value luxury dining, golf, lounges, and insurance
- Want rewards on bills others don’t reward (insurance, utilities, etc.)
You can easily get ₹1.4 lakh+ value per year from this card.
But if your annual spend is below ₹6-7 lakh, you might want to explore low-fee or cashback cards instead.
