What is the joining fee for the ICICI Bank Emeralde Private Metal Credit Card?

The joining fee is ₹12,499 + GST. Confirm current terms on the official issuer page before applying.

What is the annual fee for the ICICI Bank Emeralde Private Metal Credit Card?

The annual / renewal fee is ₹12,499 + GST. Waiver: Annual fee waived on spends of ₹10 lakh in a year. Confirm current terms on the official issuer page.

ICICI Bank · Premium travel card

ICICI Bank Emeralde Private Metal Credit Card

Name: ICICI Bank Emeralde Private Metal Credit Card
Brand: ICICI Bank

ICICI's flagship super-premium metal card and the closest India-market rival to HDFC Infinia — a flat ~3% reward rate, unlimited lounge and golf, and a welcome basket that can offset the fee. Note: it's largely invite-led, offered mainly to ICICI Private and Wealth clients.

Source-traced to issuer Verified 2026-06-22

View on official site →

Fees & welcome

Joining fee

₹12,499 (1st year) + GST.

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Annual / renewal fee

₹12,499 (2nd year onwards) + GST.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Fee waiver

Annual fee reversed on spending ₹10,00,000 in an anniversary year (excludes rent, government, education and EMI spends).

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Welcome benefit

Complimentary 1-year Taj Epicure membership, EazyDiner Prime membership and 12,500 Reward Points on payment of the Joining Fee (issued via e-mail within 45 business days of Joining Fee payment).
Qualifying spend threshold not stated on official source.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Earn rates

6 ICICI Bank Reward Points for every ₹200 spent on retail transactions (w.e.f. Jan 15, 2026), excluding Government Services, Fuel, Property Management, Rent, Tax Payments and Third Party Wallets.

Verified · Credit Card Charges (official notice) · 2026-06-22 · source

Lounge & forex

Lounge access

Unlimited complimentary domestic airport lounge access and unlimited complimentary international airport lounge access (via complimentary Priority Pass membership) for both Primary and Plus (add-on) Card members.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Forex markup

2% mark-up on foreign currency transactions (w.e.f. Nov 15, 2024) + GST.

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Who it's for

Best for

High spenders who want a super-premium all-rounder.
ICICI Private / Wealth customers (the card is largely invite-led).
Frequent travellers who book via iShop and will use unlimited lounge and golf.

Not ideal for

Miles collectors who want broad transfer partners — value is strongest inside iShop and transfer options are limited (Air India).
It's also invite-led, and the ₹10 lakh waiver bar is high.

Fees & charges

Interest-free period

Interest-free period ranges from 18 to 48 days.
Grace period of 3 days after the payment due date.

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Charge

Finance charge: 3.75% per month (45% p.a.).
Cash advance fee: Nil.
Card replacement fee: ₹3,500.
Dynamic Currency Conversion fee: 2% (w.e.f. Jan 15, 2026).
Supplementary/Add-on Card fee: one-time ₹3,500 + GST (w.e.f. Jan 15, 2026).
Skill-based gaming transactions: 2% (w.e.f. Jan 15, 2026).
Wallet load: 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
Transportation: 1% on transactions over ₹50,000 (w.e.f. Jan 15, 2026).
Cash payment at branches: ₹150 per transaction (w.e.f. Jan 15, 2026).
Over-limit charges: not applicable.
Late payment charges: ₹100 to ₹1,300 based on the outstanding slab.
Cheque/Auto-debit return fee: 2% of Total Amount Due (Min. ₹500).

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Fuel

Fuel surcharge waiver

1% fuel surcharge waiver at all petrol pumps for a maximum transaction size of ₹4,000.
Waiver applicable for spends up to ₹1,00,000 per statement cycle.

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Rewards

Redemption value

Catalogue / online and in-store redemptions at Online Partner Brands: ₹25 handling fee.
Emeralde Private Metal Credit Card redemptions: Nil reward handling fee.
Reward Points expire 36 months from date of issuance.

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Milestone benefit

BookMyShow buy-one-get-one-free movie ticket offer on spending ₹25,000 or more in the preceding calendar quarter (w.e.f. Jan 15, 2026).

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Reward cap

Reward Points capped per statement cycle: Grocery 1,000.
Education 1,000.
Utility 1,000.
Insurance 5,000.
Transportation (MCC 4111/4112/4784/4131) earns Reward Points on up to ₹20,000 of spends per month (w.e.f. Feb 01, 2026).

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Reward exclusion

Rent PayFuelGovernment Payment & ServicesTax PaymentThird Party WalletsProperty Management

Verified · Most Important Terms & Conditions (MITC) · 2026-06-22 · source

Travel & lifestyle

Travel benefit

No cancellation charges on domestic flight and hotel bookings, up to ₹12,000.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Concierge

Mastercard Moments programme - exclusive experiences for Mastercard cardholders.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Golf benefit

Unlimited complimentary round or lesson of golf, bookable through the Golftripz website.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Dining benefit

Complimentary EazyDiner Prime membership.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Hotel benefit

Complimentary 1-year Taj Epicure membership.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Protection

Insurance

Air Accident Insurance cover (insurer: ICICI Lombard General Insurance Co. Ltd.).
Travel insurance covers international travel only and only when tickets were purchased using the Credit Card.
The benefit applies only if the card was used at least once in the 60 days prior to the event.
Supplementary Cardholders are not eligible.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Eligibility

Applicant must be between 21 and 65 years of age.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-06-22 · source

Official sources

Official issuer page Most Important Terms & Conditions (MITC)Credit Card Charges (official notice)

Verified 2026-06-22 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.