ICICI Bank Emeralde Private Metal Credit Card
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ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

American Express
PremiumInvite only

Your rating

Community rating

Best for Ultra HNI — India's finest metal card with unlimited lounge and highest ICICI rewards

Joining Fee

₹12,499

Annual Fee

₹12,499

Reward Rate

1.5%

Forex Markup

2%

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Key Benefits

Buy 1 Get 1 on BookMyShow up to ₹750 twice monthly
Low 2% forex markup fee on international spends
₹6,000 EaseMyTrip vouchers on ₹8 lakh annual spends
12,500 Reward Points as joining and renewal benefit
6 Reward Points per ₹200 on eligible retail spends (≈3% value back)
Up to 12X Reward Points on hotel bookings and 6X on flights/vouchers via iShop
Unlimited domestic and international airport lounge access for primary + add-on cardholders
Complimentary Priority Pass membership included
Complimentary Taj Epicure Plus & EazyDiner Prime memberships
Unlimited golf rounds and golf lessons worldwide

Rewards

How you earn back on every swipe

points

Reward type

1.5%

Earn rate

3

Points / ₹100

₹1

Per point

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.

Joining fee₹12,499
Annual fee₹12,499
Fee waiver on annual spend₹10,00,000
Interest rate (APR)45%
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup2%
Fuel surcharge waiverYes

Travel & 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

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65

Invite only — You typically need an existing relationship with ICICI Bank to get this card.

Pros & Cons

Pros
  • 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
Cons
  • 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

View on bank website

Data last updated 24 Mar 2026

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