ICICI Emeralde Private Metal vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 5-3. MakeMyTrip loyalists — co-branded with strong travel benefits. ICICI Emeralde Private Metal is still the right call if high-net-worth families wanting universal 6 icici points/₹100..
Side-by-side
| Criterion | ICICI Emeralde Private Metal | ICICI MMT Signature |
|---|---|---|
| Annual fee | · ₹12,499 | ₹2,500 |
| Joining fee | · ₹12,499 | ₹2,500 |
| Top reward rate | = 6% (general) | = 6% (travel) |
| Base reward rate | 6% | · 1.5% |
| Forex markup | 2% | · 2.5% |
| Welcome bonus | = Taj Epicure / EazyDiner Prime / Times Prime annual membership | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹600,000 / yr |
| Min income | · ₹5,000,000 | ₹800,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.8/5 | · 4.4/5 |
Benefits compared
ICICI Emeralde Private Metal
- Unlimited domestic + international lounge access for self & guest
- 6 reward points per ₹100 across all categories
- Taj Epicure annual membership included
- 24x7 concierge + Golf privileges
- 2% forex markup
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›ICICI Emeralde Private Metal vs ICICI MMT Signature: which is better?
ICICI MMT Signature wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Emeralde Private Metal for its best categories, ICICI MMT Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Emeralde Private Metal: Taj Epicure / EazyDiner Prime / Times Prime annual membership. ICICI MMT Signature: ₹2,500 MMT Black holidays voucher.