ICICI Bank Emeralde Private Metal Credit Card on Petrol (any pump)

How it works

Flat 3% everywhere when points go to flights, hotels or vouchers at ₹1 a point. As statement credit a point is worth about ₹0.25, so 0.75%. Grocery apps (Instamart, Blinkit, Zepto, BigBasket, JioMart) and utility bills stop earning after 1,000 points per cycle.

Caps & rules

• 6 Reward Points per ₹200 on retail.
• Grocery, utilities and education capped at 1,000 points each per statement cycle; insurance 5,000.
• Points are worth ₹1 on flight and hotel vouchers, about ₹0.25 as statement credit.

Reward limits

• Points on grocery, utilities and education (each): max 1,000 points per statement cycle
• Points on insurance: max 5,000 points per statement cycle
• 6 points per ₹200 on other spends: No limit

No rewards on

Fuel, rent, government, EMI, cash advances