The ICICI Emeralde Private Metal earns in Reward Points, which this calculator values at ₹1 per point. Base earn rate is 3% value back, the annual fee is ₹12,499 + GST, and forex markup is 2%.
Its strongest category is Utilities at 3% value back.
| Category | Value back | Detail |
|---|---|---|
| Utilities | 3% | earns, capped 1,000 RP/cycle |
| Grocery | 3% | earns, capped 1,000 RP/cycle |
| Insurance | 3% | earns, capped 5,000 RP/cycle - highest insurance cap in the segment |
Booking through SmartBuy, iShop or Travel EDGE changes the maths on this card.
| Category | Value back | Detail |
|---|---|---|
| Flights | 18% | iShop 6X on flights |
| Hotels | 36% | iShop 12X on hotels - bonus capped 18,000 RP/mo |
| Online shopping | 18% | iShop vouchers 6X |
The ICICI Emeralde Private Metal earns no rewards on Rent, Govt & Tax, Fuel. Put that spend on another card.
1 RP = ₹1 on iShop travel. 12,500 RP joining/annual bonus effectively refunds the fee every year. Invite-only. Still no point-to-mile transfers - its one real gap.
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