ICICI BankICICI Bank Emeralde Private Metal Credit Card
The ICICI Bank Emeralde Private Metal Credit Card is ICICI's flagship ultra-premium offering.
Top Category Performance
Premium Privileges (97/100)
Joining Fee
₹12,499
Annual Fee
₹12,499
Reward Rate (%)
1.5
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
ICICI Bank Emeralde Private Metal Credit Card Benefits
ICICI Bank Emeralde Private Metal Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.5%
Earn rate
3
Points / ₹100
₹1
Per point
ICICI Bank Emeralde Private Metal Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
ICICI Bank Emeralde Private Metal Credit Card Lounge Access
Airport perks included with this card
Priority Pass
Included with this card
Things to Keep in Mind
- Card available only to ICICI Private Banking customers (invite-only)
- No reward points on fuel, EMI, wallet loading, rent, government payments
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
ICICI Bank Emeralde Private Metal Credit Card Eligibility
Invite only — You typically need an existing relationship with ICICI Bank to get this card.
Pros & Cons
- One of the best super-premium travel cards in India
- Excellent lounge access for both primary and add-on members
- Strong travel rewards via iShop platform
- Taj Epicure and EazyDiner memberships add huge lifestyle value
- Unlimited golf benefits are genuinely premium
- Low forex markup improves international usability
- Reward redemption value can reach ₹1 per point on travel/vouchers
- Better entertainment benefits than many premium competitors
- Invite-only positioning gives premium servicing experience
- Very high annual fee of ₹12,499 + GST
- Invite-only eligibility makes approval difficult
- Best reward value depends heavily on iShop usage
- Limited airline transfer partner ecosystem compared to Infinia/Amex
- Reward structure is relatively complex for beginners
- ICICI reward ecosystem still weaker than HDFC SmartBuy for many users
- Spend exclusions and reward caps have increased recently
- Overkill for moderate spenders
Who is this card for?
ICICI Private Banking customers with extremely high net worth and annual card spends of ₹20L+. Best for those who fly frequently in business/first class and require ultra-premium lifestyle services.
Quick Links
Data last updated 4 Aug 2026
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Calculate your exact earnings with ICICI Bank Emeralde Private Metal Credit Card
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