ICICI Bank Emeralde Private Metal Credit Card
Updated on August 16, 2026
🎖️Reward Rate
6 ICICI Reward Points per ₹200 on all retail transactions with NO category restrictions or exclusions
Overview
The ICICI Bank Emeralde Private Metal Credit Card is ICICI's flagship super-premium metal card offering unlimited global airport lounges with guest access, 1:1 reward points (₹1 per point), Taj Epicure Preferred membership, BOGO ₹750 movie tickets, unlimited golf, and an ultra-low 1.5% forex markup.
Rewards
Reward Type
Reward Points
Reward Rate
- • 6 ICICI Reward Points per ₹200 on all retail transactions with NO category restrictions or exclusions
- • 3% flat reward return on Education, Utilities, Insurance, and Fuel spends
Welcome Benefit
12,500 Reward Points (Worth ₹12,500 on travel bookings) + Taj Epicure Preferred Membership + EaseMyTrip air voucher worth ₹6,000 upon joining fee realization
Milestone Benefit
100% annual renewal fee waiver on spending ₹10,00,000 in anniversary year; 12,500 Renewal Reward Points credited upon fee payment
Redemption
- • 1 ICICI Reward Point = ₹1.00 directly for flight and hotel bookings on ICICI Rewards Portal (1:1 ratio)
- • 1:1 AirMiles transfer across leading global airline partners
- • 1 RP = ₹0.50 for vouchers & statement credit
Benefits
- Super-Premium Metal: Handcrafted in emerald-green titanium metal body
- Travel & Lounge: Unlimited complimentary domestic & international airport lounge access worldwide with unlimited guest visits for primary and add-on cardholders
- Taj Epicure: Complimentary Taj Epicure Preferred membership with 25% dining discount & stay certificates
- Entertainment: Buy 1 Get 1 Free on BookMyShow (Up to ₹750 off on second ticket, twice per month = save up to ₹18,000/year)
- Golf: Unlimited complimentary golf rounds & lessons at top courses worldwide
- Low Forex Markup: Industry-leading 1.5% foreign currency markup
- Zero Cash Advance Fee: No cash advance charges or withdrawal fees across ATMs globally
- Concierge: Dedicated 24x7 Emeralde Private lifestyle concierge
- Insurance: ₹3 Crore Accidental Air Death Cover + ₹50 Lakhs Medical Cover
Things to Know Before you apply
ICICI Bank Emeralde Private Metal Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: Monthly Net Income > ₹3,00,000; Self-Employed: Annual ITR > ₹40,00,000
- Salaried Professionals & High Net Worth Individuals
- Resident Indian
ICICI Bank Emeralde Private Metal Credit Card Customer Care
- Toll Free: 1800 1080
- Landline: +91 22 3366 7777
- Concierge Service: emeraldeprivate@icicibank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,499 |
| Annual Fee | ₹12,499 |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | Zero cash advance fee (100% waived) |
Fee waiver: Spend ₹10,00,000 or more in preceding membership year for 100% annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
We have awarded the ICICI Bank Emeralde Private Metal Credit Card a top rating of 5.0/5.0. It is one of India's few true super-premium metal credit cards matching HDFC Infinia Metal, offering 1:1 reward redemption, unlimited global lounge visits with guest passes, 1.5% forex markup, and 3% uncapped rewards on all spends including utilities and education. Top Comparison Cards: HDFC Bank Infinia Credit Card Metal Edition; HDFC Bank Diners Club Black Metal Edition; Axis Bank Reserve Credit Card; American Express Platinum Card.
Pros
- • 1:1 Reward point redemption ratio (1 RP = ₹1.00) on flights, hotels, and airmiles
- • Unlimited complimentary domestic & international lounge access globally with unlimited free guest visits
- • Industry-low 1.5% foreign currency transaction fee
- • Handcrafted emerald-green metal titanium card body
- • Welcome benefit of 12,500 Reward Points (worth ₹12,500) + Taj Epicure + ₹6,000 EaseMyTrip voucher completely offsets the fee
- • Buy 1 Get 1 Free on BookMyShow up to ₹750 twice monthly (₹18,000/year movie savings)
- • 3% flat uncapped rewards on utilities, education, and insurance spends
Cons
- • High annual fee of ₹12,499 + 18% GST
- • High ₹10,00,000 spend requirement for renewal fee waiver
- • Invite-only eligibility requiring premier Wealth Management or High Net Worth account status
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- • 12,500 Reward Points (Worth ₹12,500 on travel bookings) + Taj Epicure Preferred Membership + EaseMyTrip air voucher worth ₹6,000 upon joining fee realization
- • 12,500 Reward Points upon realization of joining fee and card activation
- • Complimentary 1-Year Club Marriott membership with up to 50% dining/stay discounts across Asia-Pacific
- • 10,000 Reward Points + Complimentary Annual Memberships (Amazon Prime, Swiggy One, MMT Black Gold, Club Marriott) on spending ₹1.5 Lakhs in first 90 days
- • 6 ICICI Reward Points per ₹200 on all retail transactions with NO category restrictions or exclusions
- • 3% flat reward return on Education, Utilities, Insurance, and Fuel spends
- • 5 Reward Points per ₹150 retail spends (including Insurance, Utilities & Education)
- • Up to 10X Reward Points on Smartbuy
- • 5 Reward Points per ₹150 spent (3.3% base reward rate)
- • Up to 10X / 5X Rewards (up to 33.3% value) on SmartBuy travel, hotels & partner merchants
- • 1:1 Reward point redemption ratio (1 RP = ₹1.00) on flights, hotels, and airmiles
- • Unlimited complimentary domestic & international lounge access globally with unlimited free guest visits
- • Industry-low 1.5% foreign currency transaction fee
- • Handcrafted emerald-green metal titanium card body
- • Welcome benefit of 12,500 Reward Points (worth ₹12,500) + Taj Epicure + ₹6,000 EaseMyTrip voucher completely offsets the fee
- • Buy 1 Get 1 Free on BookMyShow up to ₹750 twice monthly (₹18,000/year movie savings)
- • 3% flat uncapped rewards on utilities, education, and insurance spends
- • 12,500 Welcome Reward Points on fee payment + Complimentary 1-year Club Marriott membership
- • Industry-low forex markup of only 2.0% + GST on international spends
- • Unlimited complimentary domestic & international airport lounge visits for Primary and Add-on members
- • 1:1 redemption value (1 RP = ₹1.00) on flight & hotel bookings via Smartbuy
- • Stay 3 nights & pay for 2 at ITC hotels + 1+1 complimentary buffet
- • Unlimited complimentary golf lessons & games across India & select global courses with 100% green fee waiver
- • Unlimited free domestic and international lounge visits globally for primary and add-on cardholders
- • 1:1 reward redemption for flight and hotel bookings (1 RP = ₹1.00)
- • 10,000 bonus points + 4 premium memberships on joining
- • 6 golf games per quarter
- • Industry-low 2% foreign currency markup fee
- • High annual fee of ₹12,499 + 18% GST
- • High ₹10,00,000 spend requirement for renewal fee waiver
- • Invite-only eligibility requiring premier Wealth Management or High Net Worth account status
- • High joining and renewal fee of ₹12,500 + 18% GST (waived on ₹10 Lakhs annual spend)
- • Strict invite-only eligibility criteria requiring high monthly salary (₹3L+) or ITR (₹45L+)
- • Monthly points cap applies on accelerated 10X Smartbuy category spends
- • High annual fee of ₹10,000 + 18% GST
- • Renewal fee waiver requires ₹8 Lakhs annual spend
- • Acceptance is slightly lower compared to Visa/Mastercard on select older offline POS machines