DCB Metal VS ICICI EMERALDE PRIVATE

[darshanbafna]

Which one of them is better? Since both of them are newly launched

 

[NeoOnWheels]

Few important benefits:

1. 3% cashback in form of statement credit (upto 50K a cycle)
2. Unlimited domestic and international lounge access for primary and add-on cards
3. 1 night complimentary stay at Taj on joining
4. Unlimited golf benefits
5. 750/- off on BMS 2nd ticket and twice a month
6. Milestone benefit of 3K EaseMyTrip voucher
7. Joining and renewal fee is credited as RP which are 1:1 with cash against statement credits

Negatives:
1. 3% cashback returns only upto 50K against statement credit
2. No accelerated rewards whatsoever
3. 3K EaseMyTrip voucher can be redeemed only against airtickets

Overall, its a good card, especially when non spend benefits are quite good. May be a good 2nd premium card in your wallet. Of course its limited to people who earn more than 3L net salary income or 30L ITR. Must be invite only card.

 

[Deleted member 11974]

also i read in the tnc that if annual milestone of fee waiver is reached easemytrip voucher wont be given

 

[Deleted member 11974]

https://www.icicibank.com/content/dam/icicibank/india/managed-assets/revamp-pages/emeralde-private-metal-credit-card/mitc-cc-17-oct.pdf

page 2 last line

 

[NeoOnWheels]

https://www.icicibank.com/content/dam/icicibank/india/managed-assets/revamp-pages/emeralde-private-metal-credit-card/mitc-cc-17-oct.pdf

page 2 last line

Best is to pay renewal fees which are credited as RPs anyways. So spend just below the fees reversal, get RPs credited and settle them against statement. This way you earn annual benefits. Of course all these terms and conditions are fluid as far as bank's commitment is concerned.

 

[Deleted member 11974]

Best is to pay renewal fees which are credited as RPs anyways. So spend just below the fees reversal, get RPs credited and settle them against statement. This way you earn annual benefits. Of course all these terms and conditions are fluid as far as bank's commitment is concerned.

the gst loss would be compensated by the easemytrip vouchers anyways
makes sense
assuming that cash settlement of rps against statement credit would be still maintained at 1:1 a year later
before that wallet loads devaluation would be coming in the next 3-6 months

 

[NeoOnWheels]

the gst loss would be compensated by the easemytrip vouchers anyways
makes sense
assuming that cash settlement of rps against statement credit would be still maintained at 1:1 a year later
before that wallet loads devaluation would be coming in the next 3-6 months

Dont forget 750/- off twice a month on movie tickets.

 

[Deleted member 11974]

Dont forget 750/- off twice a month on movie tickets.

make it 8 times with ADD ON CARDS

 

[Garvit]

Hopefully at some point ICICI will offer miles transfer and a better reward rate till then DCB ME will almost always be better.

Don't think so 😕