{"id":4531,"date":"2026-02-05T19:15:00","date_gmt":"2026-02-05T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=4531"},"modified":"2026-02-05T17:28:18","modified_gmt":"2026-02-05T11:58:18","slug":"icici-emeralde-private-metal-is-this-the-best-luxury-travel-credit-card-in-india","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/icici-emeralde-private-metal-is-this-the-best-luxury-travel-credit-card-in-india\/","title":{"rendered":"ICICI Emeralde Private Metal: Is This the Best Luxury Travel Credit Card in India?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<em> <\/em><\/strong><em>The ICICI Emeralde Private Metal Credit Card is a luxury credit card offered by ICICI Bank. Its benefits are best suited for affluent customers seeking luxury travel and high rewards.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>ICICI Emeralde Private Metal card is an invite-only luxury credit card that is mostly aimed at individuals with high net worth. The overall benefits, and unique perks makes this a card that is hard to ignore. The card is widely popular as one of the best lifestyle and travel cards. Now, let us walk through the benefits and find out what makes this card so attractive.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-340449833\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-icici-emeralde-private-metal-card\" style=\"font-size:22px\"><a href=\"https:\/\/www.icici.bank.in\/personal-banking\/cards\/credit-card\/emeralde-private-metal-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>ICICI Emeralde Private Metal Card<\/strong><\/a><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee<\/strong>: \u20b912,499 + taxes<\/li>\n\n\n\n<li><strong>Annual Fee<\/strong>: \u20b912,499 + taxes (From 2nd year onwards)<\/li>\n\n\n\n<li><strong>Annual Fee Reversal:<\/strong> If the cardholder spends \u20b910 lakh or more in a card anniversary year then&nbsp; the annual fee is reversed.<\/li>\n\n\n\n<li><strong>Card Add on Fee:<\/strong> \u20b93,500<\/li>\n\n\n\n<li><strong>Card Type:<\/strong> Super Premium Luxury<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility\" style=\"font-size:22px\"><strong>Eligibility<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A total relationship value (TRV) of <strong>\u20b950 lakhs<\/strong> or more with ICICI<\/li>\n\n\n\n<li>The cardholder should have an overall portfolio of <strong>\u20b91 <\/strong>to<strong> \u20b92 <\/strong>Cr<\/li>\n\n\n\n<li>Monthly take home salary after deduction should be <strong>\u20b93 lakhs<\/strong> or more<\/li>\n\n\n\n<li>Income, Address, and identity proofs required for documentation.&nbsp;<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Note<\/strong>: Eligibility criterion has been collected from various financial sources and may not be concrete. Thus, reaching out to your relationship manager is recommended.\u00a0<\/em><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fees-amp-spend-requirements\" style=\"font-size:18px\"><strong>Fees &amp; Spend Requirements<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate (APR)<\/strong>: Up to 3.75% per month (approx. 45% annually)<\/li>\n\n\n\n<li><strong>Late Payment Fee<\/strong>: Ranges from \u20b9100 to \u20b91,300, depending on outstanding balance.<\/li>\n\n\n\n<li><strong>Cash Withdrawal Fee<\/strong>: 2.5% of the withdrawn amount or \u20b9300 whichever is higher.<\/li>\n\n\n\n<li><strong>Forex Markup:<\/strong> At a lower side of 2%<\/li>\n\n\n\n<li><strong>ATM withdrawal: <\/strong>Charges are 3.75% per month<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-welcome-benefits-nbsp\" style=\"font-size:18px\"><strong>Welcome Benefits&nbsp;<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taj Epicure Plus Membership and EazyDiner Prime Membership as complimentary joining benefits.<\/li>\n\n\n\n<li>Additionally a total of 12,500 Reward Points as a joining gift.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-amp-advantages\" style=\"font-size:18px\"><strong>Benefits &amp; Advantages<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unlimited Golf rounds in each month<\/li>\n\n\n\n<li>Unlimited International lounge visits for Primary and added members with the complementary Priority Pass<\/li>\n\n\n\n<li>Unlimited Domestic airport lounge visits for primary and add-on members<\/li>\n\n\n\n<li>Buy One Get One (BOGO) of up to \u20b9750 off on BookMyShow twice every month<\/li>\n\n\n\n<li>2 EaseMyTrip vouchers (worth \u20b96000) on an annual total spends of \u20b98 lakh<\/li>\n\n\n\n<li>1% surcharge waiver on fuel transactions&nbsp;<\/li>\n\n\n\n<li>24\/7 concierge for assistance<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-insurance-amp-protection-features\" style=\"font-size:18px\"><strong>Insurance &amp; Protection Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Air accident coverage up to \u20b93 crore (Death Only)<\/li>\n\n\n\n<li>Purchase protection of \u20b91,40,000<\/li>\n\n\n\n<li>Plan hijacking coverage of \u20b91,00,000<\/li>\n\n\n\n<li>Lost of checked in baggage insurance coverage of \u20b984,000<\/li>\n\n\n\n<li>Lost of documents or passport cover of \u20b935,000<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-redemption\" style=\"font-size:18px\"><strong>Reward Redemption<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can be redeemed as flight and hotel vouchers&nbsp;<\/li>\n\n\n\n<li>Can be redeemed as lifestyle products and rewards through catalog items<\/li>\n\n\n\n<li>Can also be redeemed as statement credit&nbsp;<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <strong><a href=\"https:\/\/tradebrains.in\/money\/hsbc-live-credit-card-review-2026-is-it-the-best-cashback-card-for-dining-and-food-delivery\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC Live+ Credit Card Review 2026: Is It the Best Cashback Card for Dining and Food Delivery?<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-structure-how-it-works\" style=\"font-size:18px\"><strong>Reward Structure &#8211; How it works<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Base Rewards of 6 ICICI Reward Points on every \u20b9200 spent on retail<\/li>\n\n\n\n<li>Accelerated Rewards of up to 12X points on selected categories when shopping via ICICI\u2019s iShop portal<\/li>\n\n\n\n<li>Reward points are valid for up to 3 years from the date of receiving<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong> Now for instance you spend \u20b92,00,000 in a month. Then, you have earned \u20b92,00,000 \u00f7 200 \u00d7 6 = 6,000 reward points.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pros-of-icici-emeralde-private-metal\" style=\"font-size:18px\"><strong>Pros of ICICI Emeralde Private Metal<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premium&nbsp; travel and lounge benefits<\/li>\n\n\n\n<li>Could earn higher rewards points via iShop<\/li>\n\n\n\n<li>Variety of dining and lifestyle perks<\/li>\n\n\n\n<li>Premium insurance protections and coverage<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cons-of-icici-emeralde-private-metal\" style=\"font-size:18px\"><strong>Cons of ICICI Emeralde Private Metal<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very high fees and waiver condition<\/li>\n\n\n\n<li>Limited public eligibility because of being an invite-only card<\/li>\n\n\n\n<li>Rewards are capped on some categories (e.g., groceries, utilities)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-should-consider-it\" style=\"font-size:18px\"><strong>Who Should Consider It?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Traveller who fly very often because of unlimited lounge access<\/li>\n\n\n\n<li>Individuals with high annual spends because of the waiver condition<\/li>\n\n\n\n<li>Who needs one super premium card rather than multiple premium ones<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The ICICI Emeralde Private Metal Credit Card truly delivers the price one pays for with various niched rewards. The travel perks, lounge access, and many other lifestyle benefits seems like a good fit as the card demands a high spending for annual fee reversal too.&nbsp;<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1145979061\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>The insurance coverage is one standing out point in this card as in the recent revision many cards have discontinued the air accident and other coverage. Thus, it is overall a value card but the only minus point for general users would be that it is an invite only card.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1779741563\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Kenbi Riba<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: The ICICI Emeralde Private Metal Credit Card is a luxury credit card offered by ICICI Bank. Its benefits are best suited for affluent customers seeking luxury travel and high rewards.&nbsp; ICICI Emeralde Private Metal card is an invite-only luxury credit card that is mostly aimed at individuals with high net worth. The overall benefits, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":4533,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Synopsis:<em> <\/em><\/strong><em>The ICICI Emeralde Private Metal Credit Card is a luxury credit card offered by ICICI Bank. Its benefits are best suited for affluent customers seeking luxury travel and high rewards.&nbsp;<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>ICICI Emeralde Private Metal card is an invite-only luxury credit card that is mostly aimed at individuals with high net worth. The overall benefits, and unique perks makes this a card that is hard to ignore. The card is widely popular as one of the best lifestyle and travel cards. Now, let us walk through the benefits and find out what makes this card so attractive.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-icici-emeralde-private-metal-card\" style=\"font-size:22px\"><a href=\"https:\/\/www.icici.bank.in\/personal-banking\/cards\/credit-card\/emeralde-private-metal-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>ICICI Emeralde Private Metal Card<\/strong><\/a><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Joining Fee<\/strong>: \u20b912,499 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Annual Fee<\/strong>: \u20b912,499 + taxes (From 2nd year onwards)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Annual Fee Reversal:<\/strong> If the cardholder spends \u20b910 lakh or more in a card anniversary year then&nbsp; the annual fee is reversed.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Card Add on Fee:<\/strong> \u20b93,500<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Card Type:<\/strong> Super Premium Luxury<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Eligibility<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>A total relationship value (TRV) of <strong>\u20b950 lakhs<\/strong> or more with ICICI<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The cardholder should have an overall portfolio of <strong>\u20b91 <\/strong>to<strong> \u20b92 <\/strong>Cr<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Monthly take home salary after deduction should be <strong>\u20b93 lakhs<\/strong> or more<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Income, Address, and identity proofs required for documentation.\u00a0<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><em>Note: Eligibility criterion has been collected from various financial sources and may not be concrete. Thus, reaching out to your relationship manager is recommended.&nbsp;<\/em><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-fees-amp-spend-requirements\" style=\"font-size:18px\"><strong>Fees &amp; Spend Requirements<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li><strong>Interest Rate (APR)<\/strong>: Up to 3.75% per month (approx. 45% annually)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Late Payment Fee<\/strong>: Ranges from \u20b9100 to \u20b91,300, depending on outstanding balance.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Cash Withdrawal Fee<\/strong>: 2.5% of the withdrawn amount or \u20b9300 whichever is higher.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Forex Markup:<\/strong> At a lower side of 2%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>ATM withdrawal: <\/strong>Charges are 3.75% per month<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-welcome-benefits-nbsp\" style=\"font-size:18px\"><strong>Welcome Benefits&nbsp;<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Taj Epicure Plus Membership and EazyDiner Prime Membership as complimentary joining benefits.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Additionally a total of 12,500 Reward Points as a joining gift.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-benefits-amp-advantages\" style=\"font-size:18px\"><strong>Benefits &amp; Advantages<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Unlimited Golf rounds in each month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Unlimited International lounge visits for Primary and added members with the complementary Priority Pass<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Unlimited Domestic airport lounge visits for primary and add-on members<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Buy One Get One (BOGO) of up to \u20b9750 off on BookMyShow twice every month<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>2 EaseMyTrip vouchers (worth \u20b96000) on an annual total spends of \u20b98 lakh<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% surcharge waiver on fuel transactions&nbsp;<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>24\/7 concierge for assistance<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-insurance-amp-protection-features\" style=\"font-size:18px\"><strong>Insurance &amp; Protection Features<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Air accident coverage up to \u20b93 crore (Death Only)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Purchase protection of \u20b91,40,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plan hijacking coverage of \u20b91,00,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lost of checked in baggage insurance coverage of \u20b984,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lost of documents or passport cover of \u20b935,000<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-reward-redemption\" style=\"font-size:18px\"><strong>Reward Redemption<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Can be redeemed as flight and hotel vouchers&nbsp;<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Can be redeemed as lifestyle products and rewards through catalog items<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Can also be redeemed as statement credit&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Also Read:<\/strong> <strong><a href=\"https:\/\/tradebrains.in\/money\/hsbc-live-credit-card-review-2026-is-it-the-best-cashback-card-for-dining-and-food-delivery\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC Live+ Credit Card Review 2026: Is It the Best Cashback Card for Dining and Food Delivery?<\/a><\/strong><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-reward-structure-how-it-works\" style=\"font-size:18px\"><strong>Reward Structure - How it works<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Base Rewards of 6 ICICI Reward Points on every \u20b9200 spent on retail<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Accelerated Rewards of up to 12X points on selected categories when shopping via ICICI\u2019s iShop portal<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reward points are valid for up to 3 years from the date of receiving<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Example:<\/strong> Now for instance you spend \u20b92,00,000 in a month. Then, you have earned \u20b92,00,000 \u00f7 200 \u00d7 6 = 6,000 reward points.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-pros-of-icici-emeralde-private-metal\" style=\"font-size:18px\"><strong>Pros of ICICI Emeralde Private Metal<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Premium&nbsp; travel and lounge benefits<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Could earn higher rewards points via iShop<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Variety of dining and lifestyle perks<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Premium insurance protections and coverage<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-cons-of-icici-emeralde-private-metal\" style=\"font-size:18px\"><strong>Cons of ICICI Emeralde Private Metal<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Very high fees and waiver condition<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Limited public eligibility because of being an invite-only card<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Rewards are capped on some categories (e.g., groceries, utilities)<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h3 class=\"wp-block-heading\" id=\"h-who-should-consider-it\" style=\"font-size:18px\"><strong>Who Should Consider It?<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Traveller who fly very often because of unlimited lounge access<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Individuals with high annual spends because of the waiver condition<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Who needs one super premium card rather than multiple premium ones<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The ICICI Emeralde Private Metal Credit Card truly delivers the price one pays for with various niched rewards. The travel perks, lounge access, and many other lifestyle benefits seems like a good fit as the card demands a high spending for annual fee reversal too.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The insurance coverage is one standing out point in this card as in the recent revision many cards have discontinued the air accident and other coverage. Thus, it is overall a value card but the only minus point for general users would be that it is an invite only card.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Written by Kenbi Riba<\/strong><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[185,651,645,19],"ppma_author":[1323],"class_list":["post-4531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-credit-cards","tag-credit-card","tag-credit-card-news","tag-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ICICI Emeralde Private Metal: Is This the Best Luxury Travel Credit Card in India?<\/title>\n<meta name=\"description\" content=\"The ICICI Emeralde Private Metal Credit Card is a luxury credit card offered by ICICI Bank. 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