Issue Resolved Shall i keep my ICICI Emeralde Private Metal Card?

[Shubham330]

Hi Team,

I am planning to close my ICICI EMP but wanted to have opinion from this community.

There is no standout feature of this card which is useful for me.

For movie benefits I have Sapphiro LTF. The limit is upto 500 off but that's sufficient for me.

For Lounge access have Regalia Gold and Axis Atlas.

Base return of 3% is less than that of 4% of Axis atlas.

Apart from this three I dint found any stand out feature of EMP.

 

[Dobbiee]

You can also consider the other way round. Instead of closing Emeralde, can close Sapphiro.
Benefit - Everything that Sapphiro offers, Emeralde has all those with a Extra.

BMS Offer - Extra
Lounge Access - Extra
Reward points and redemption - Extra
Fee recovery - Thats also happens to a good level. Cost of card is only the GST amount.

 

[vishalprasad]

Hi @Shubham330 , how did you receive emeralde private metal, any RM contact would be helpful.

 

[drsel]

Initially it was giving 1₹ for credit statement. So took it.

Rs.14750 for 1N stay, BOGO movies, unlimited domestic + international lounge access, and 12500 points (worth 7500 Amazon voucher).

Points are Rs.1 only when you buy Apple products or high end brands (which normally no one would buy). This is deceptive, because its not specified in main features of the card, but hidden in the fine print.
If you choose Amazon gift voucher, the reward point value is 60 paise. So the return is less than 1.8%. and not 3%
So please don't spend using this card.
This card is only for non spend benefits

 

[Shin-Chan]

Rs.14750 for 1N stay, BOGO movies, unlimited domestic + international lounge access, and 12500 points (worth 7500 Amazon voucher).

Points are Rs.1 only when you buy Apple products or high end brands (which normally no one would buy). This is deceptive, because its not specified in main features of the card, but hidden in the fine print.
If you choose Amazon gift voucher, the reward point value is 60 paise. So the return is only 1.8%. and not 3%

So this card is only for non spend benefits

DrSel when will you be getting this CC ? or its not worth your time ?

 

[RDR]

Rs.14750 for 1N stay, BOGO movies, unlimited domestic + international lounge access, and 12500 points (worth 7500 Amazon voucher).

Points are Rs.1 only when you buy Apple products or high end brands (which normally no one would buy). This is deceptive, because its not specified in main features of the card, but hidden in the fine print.
If you choose Amazon gift voucher, the reward point value is 60 paise. So the return is only 1.8%. and not 3%

So this card is only for non spend benefits

Travel vouchers are also 1:1 - MakeMyTrip, Taj, ITC, EaseMyTrip.

But it earns only base points, there are no accelerated rewards and milestone benefits are minuscule.

 

[drsel]

DrSel when will you be getting this CC ? or its not worth your time ?

It's not worth my while, because it will be difficult use that one night stay in isolation.
It would be like paying 8000 for that isolated one night stay and I have all the other benefits with my INFINIA and other cards