Verified — 16/16 categories
ICICI
Emeralde Private Metal
Best forEducation & Insurance
Earns3% effective (6 RP/₹200) on education
1st Year / Joining Fee
₹12,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹10,00,000
annual spend
Network
Not recorded
ICICI
Emeralde Private Metal
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on education and insurance, where it earns 3% effective (6 RP/₹200)
- Annual fee is waived at ₹10,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Education3% effective (6 RP/₹200)
Insurance3% effective (6 RP/₹200)
Utilities3% effective (6 RP/₹200)
Shopping3% effective (6 RP/₹200)
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 3% effective (6 RP/₹200) | 1,000 RP per statement | Education reward capped at 1,000 RP per statement cycleDetails
|
| Insurance | 3% effective (6 RP/₹200) | 5,000 RP per statement | Insurance reward capped at 5,000 RP per statement cycleDetails
|
| Utilities | 3% effective (6 RP/₹200) | 1,000 RP per statement | Utility reward capped at 1,000 RP per statement cycleDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Grocery reward capped at 1,000 RP per statement cycleDetails
|
| Dining | — | — | Standard verified reward rate for Emeralde Private Metal on DiningDetails
|
| Food Delivery | — | — | Standard verified reward rate for Emeralde Private Metal on Food DeliveryDetails
|
| Shopping | 3% effective (6 RP/₹200) | — | Standard card retail shopping reward rate appliesDetails
|
| Travel | — | — | Standard card travel reward rate appliesDetails
|
| Government | — | — | Standard verified reward rate for Emeralde Private Metal on GovernmentDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for Emeralde Private Metal on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for Emeralde Private Metal on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for Emeralde Private Metal on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for Emeralde Private Metal on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹12,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹10,00,000
annual spend
Reward caps
- Groceries — 1,000 RP / statement (per category — Groceries)
- Education — 1,000 RP / statement (per category — Education)
- Utilities — 1,000 RP / statement (per category — Utilities)
- Insurance — 5,000 RP / statement (per category — Insurance)
Key benefits
Rewards
3% effective (6 RP/₹200) on education
Fee waiver
Annual fee waived on ₹10,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Groceries rewards are capped at 1,000 RP / statement (per category — Groceries)
- Education rewards are capped at 1,000 RP / statement (per category — Education)
- No reward on: Rent, Fuel, Wallet
Who should consider this card
✓ Good fit if
- Your spending is concentrated in education, insurance, utilities
- You can reach the ₹10,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 4 caps · 3 no-reward categories
Caps
- Groceries — 1,000 RP / statement (per category — Groceries)
- Education — 1,000 RP / statement (per category — Education)
- Utilities — 1,000 RP / statement (per category — Utilities)
- Insurance — 5,000 RP / statement (per category — Insurance)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to ICICI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
SRC-ICICI-MITC · SRC-ICICI-MITC