Welcome benefit
Joining benefits currently include 12,500 Reward Points plus premium lifestyle memberships such as Taj Epicure and EazyDiner Prime, subject to current activation/fee conditions.
ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
An invite-only metal card built around luxury travel, lifestyle access and premium rewards.
MastercardSuper PremiumTravelRewards
Best forAffluent frequent travellers who value unlimited lounges, golf, premium dining and hotel privileges alongside rewards.
- Annual fee
- ₹12,499Waived at ₹10 lakh annual spend
- Base rewards
- 6 ICICI Bank Reward Points / ₹200
- Forex markup
- 2%
- Lounge access
- Available
Credofly Verdict
Is this card a good fit?
Emeralde Private Metal's strength is its breadth of premium benefits rather than a single headline reward rate. Unlimited lounge and golf privileges, premium lifestyle memberships and a 2% forex markup make it a serious luxury-card proposition, but the ₹12,499 fee only makes sense for users who will actively use those benefits.
What works well
- Unlimited domestic and international lounge access
- Strong golf privileges
- Premium hotel and dining memberships
- 2% forex markup
- Nil late-payment charge under current terms
- Broad luxury lifestyle package
Consider before applying
- ₹12,499 annual fee unless waived
- Invitation-led availability
- Reward Point value varies by redemption option
- Premium benefits require active use to justify the fee
Rewards
How rewards work
- Reward type
- Reward Points
- Reward currency
- ICICI Bank Reward Points
- Base earn
- 6 ICICI Bank Reward Points per ₹200
Base rewards
Earn 6 ICICI Bank Reward Points per ₹200 on eligible retail spends, subject to category-specific programme limits.
Redeeming rewards
Reward Points can be redeemed through ICICI's rewards ecosystem. Redemption value varies by option, so no single canonical rupee value should be stored.
Reward exclusions
Grocery, utility, education and insurance transactions are subject to category-specific Reward Point caps under the current programme. Do not mark them as universal exclusions.
Benefits
Travel and lifestyle privileges
Domestic lounge access
Unlimited eligible domestic airport lounge access for the primary cardholder and eligible supplementary cardholders under current terms.
International lounge access
Unlimited eligible international airport lounge access under the current Emeralde Private programme.
Milestone benefits
Eligible annual spending of ₹8 lakh currently earns two EaseMyTrip vouchers with a combined value of ₹6,000, subject to programme terms.
Renewal benefits
Current renewal benefits include 12,500 Reward Points and eligible premium membership benefits subject to annual-fee realisation and current ICICI terms.
Other benefits
MoviesGolfDiningConciergeInsuranceHotel BenefitsAirport ServicesFuel Surcharge Waiver
- Unlimited eligible golf privileges under current programme terms.
- EazyDiner Prime membership benefits.
- Taj Epicure membership under applicable joining terms.
- Eligible BookMyShow buy-one-get-one offers up to the prevailing cap.
- 24×7 concierge privileges.
- Travel and insurance protections under current terms.
- 1% fuel surcharge waiver on eligible transactions.
Fees & Charges
What the card costs
- Joining fee
- ₹12,499
- Annual fee
- ₹12,499
- Forex markup
- 2%
- Annual-fee waiver spend
- ₹10 lakh
Annual-fee waiver
Annual membership fee is waived on eligible annual spends above the current ₹10 lakh threshold, subject to ICICI terms.
Other charges
- Finance charges: 3.75% per month
- Late payment charges: Nil
Eligibility & Application
Before you apply
- Application channel
- Offline
- Age
- 21–65 years
Invitation-led premium product. ICICI states an age range of 21–65; final eligibility, income/relationship criteria and approval are determined by ICICI Bank.
Credofly Review
The detailed view
Emeralde Private Metal competes primarily through premium access. Unlimited lounges and golf, premium dining and hotel memberships, concierge services and travel protections make the benefits package unusually broad.
Its ordinary Reward Point earn rate is only part of the story. The economics become compelling when the cardholder regularly uses the included premium privileges or spends enough to waive the annual fee. For someone who wants simple cashback, this is excessive; for a frequent premium traveller, the overall package can be considerably more valuable.
Frequently Asked Questions
Answers before applying
What is the annual fee for ICICI Bank Emeralde Private Metal Credit Card?
The annual fee is ₹12,499.
Can the annual fee be waived?
Yes. The annual fee can be waived on annual spending of ₹10 lakh.
What forex markup does this card charge?
The forex markup is 2%.
How does this card earn rewards?
Earn 6 ICICI Bank Reward Points per ₹200 on eligible retail spends, subject to category-specific programme limits.
Does this card include airport lounge access?
Domestic lounge access is included. International lounge access is included.
Who can apply for this card?
Invitation-led premium product. ICICI states an age range of 21–65; final eligibility, income/relationship criteria and approval are determined by ICICI Bank.
Is this card currently open for applications?
Please check with the issuer for the current application status.
