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This section provides a detailed examination of the ICICI Bank Emeralde Credit Card and its private metal counterpart, drawing from various online sources to ensure a thorough understanding as of March 24, 2025. The analysis covers features, benefits, eligibility, and application processes, presented in a professional article style, with tables for clarity.

Background and Context

ICICI Bank, as of March 2025, is a prominent player in India’s banking sector, known for its diverse credit card offerings. The Emeralde series, targeting high-net-worth individuals (HNIs), includes the regular Emeralde Credit Card and the more exclusive Emeralde Private Metal Credit Card. These cards are designed to cater to luxury lifestyles, with benefits spanning travel, dining, and entertainment.

Detailed Features of the Regular Emeralde Credit Card

The regular Emeralde Credit Card is positioned as a super-premium option, suitable for customers seeking a balance of cost and benefits.

• Financial Details:
• • Annual Fee: Rs. 12,000, with an option for a monthly fee of Rs. 1,000.
  • Interest Rate: 3.4% per month on outstanding balances.
• Reward Structure:
• • Earn 4 reward points per Rs. 100 spent on retail transactions (excluding fuel).
  • Earn 1 reward point per Rs. 100 on insurance and utility payments, including government transactions.
• Benefits and Privileges:
• • Unlimited free access to airport lounges, enhancing travel convenience.
  • Complimentary golf lessons or rounds, perfect for leisure enthusiasts.
  • Hotel membership privileges, though specifics vary.
  • Birthday dining gift voucher worth Rs. 7,500 from Trident Hotels, adding a touch of luxury.
  • Dreamfolks DragonPass Membership for spa services at domestic airports, a unique travel perk.
  • 50% discount on Gold's Gym annual membership across all states, promoting fitness.
  • Entertainment perks include Rs. 750 off on the second movie ticket via BookMyShow, valid up to four times monthly, as noted on ICICI Bank Page.
• Eligibility and Application:
• • Requires a high credit score, substantial annual income, and a good credit utilization ratio.
  • Application can be made online via ICICI Bank Credit Card Section or at a branch, with documents like passport, voter ID, and income proof (e.g., salary slips or ITR) needed.

Detailed Features of the Emeralde Private Metal Credit Card

The Emeralde Private Metal Credit Card is ICICI Bank’s most premium offering, targeting the elite segment with enhanced rewards and exclusivity.

• Financial Details:
• • Annual Fee: Rs. 12,499 + GST, reflecting its premium positioning.
  • No specific interest rate mentioned, but typical rates apply for outstanding balances.
• Reward Structure:
• • Earn 6 reward points per Rs. 200 spent, equating to a potential 3% value back when redeemed optimally (e.g., for flight tickets at 1 point = Rs. 1).
  • This is a significant improvement over the regular card, offering better value for high spenders.
• Welcome Benefits:
• • A complimentary one-year membership of Taj Epicure preferred, enhancing dining experiences.
  • 12,500 ICICI Reward Points credited annually post 45 days of fee realization and card activation.
  • 12-month EazyDiner Prime Membership, renewable with yearly fee payment.
• Benefits and Privileges:
• • Unlimited complimentary airport lounge access, both international and domestic, a key travel perk.
  • Complimentary golf games, adding to leisure benefits.
  • Free movie tickets worth Rs. 1,500 each month on BookMyShow, enhancing entertainment value.
  • Complimentary EaseMyTrip air travel vouchers on spending milestones (Rs. 4 Lakhs and Rs. 8 Lakhs annually).
  • Comprehensive travel insurance, including coverage for lost baggage (Rs. 84,000), delayed flights (Rs. 17,500), and lost passport (Rs. 35,000).
  • Purchase protection and 24/7 concierge services, ensuring a seamless luxury experience.
• Eligibility and Application:
• • Invite-only, meaning it’s offered to select customers based on banking relationship, high spending, and financial standing.
  • Application process involves requesting an invitation, often through branch managers. To increase chances, maintain a high credit limit (around 10 Lakhs on existing ICICI cards) and be a high-value customer.