TLTheLoot.in

ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

Mastercard
Super-premiumFrequent travellersHigh spenders

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Welcome bonus

12,500 reward points plus Taj Epicure and EazyDiner Prime memberships

👍 Pros

  • Unlimited domestic and international lounge access
  • Welcome benefits nearly offset the annual fee
  • Consistent ~3% reward rate with sensible category caps

👎 Cons

  • Very high ₹12,499 annual fee
  • Invite-only and hard to obtain
  • Limited airline transfer partners