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ICICI Bank · Premium

ICICI Bank Emeralde Private Metal Credit Card

Source-traced to issuer Verified 2026-08-15
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at icici.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

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.

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

Joining fee

₹12,499 (1st year) + GST.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-13 · source

Annual / renewal fee

₹12,499 (2nd year onwards) + GST.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Fee waiver

Annual fee reversed on spends of ₹10,00,000 or more during the anniversary year (excludes rent, government and education payments and EMI transactions).

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Renewal fee

₹12,499 (2nd year onwards) + GST.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Rewards

All spends (incl. grocery, education, insurance, utilities)

6 Reward Points per ₹200 (~3% reward rate)

Hotels via iShop

12X Reward Points

Flights & vouchers via iShop

6X Reward Points

Reward value

1 RP = up to ₹1 (₹1 on iShop flights/hotels/select vouchers; ₹0.6 catalogue; ₹0.4 statement credit)

Caps & exclusions

1,000 RP per category per statement cycle (5,000 RP for insurance); rent, tax and government spends excluded

Last reviewed 2026-06-14 — confirm on official page

Plain math

At ~3%, ₹5 lakh/year of spend earns ~15,000 Reward Points ≈ ₹15,000 in value. With the welcome basket and the ₹10 lakh fee waiver, the ₹12,499 fee can be effectively free for high spenders.

Redemption value

  • Reward redemption handling fee: catalogue-based redemptions ₹99.
  • Online and in-store redemptions at Online Partner Brands ₹25.
  • Emeralde Private Metal Credit Card redemptions Nil.
  • Reward points expire 36 months from date of issuance.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · 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) · 2026-08-13 · source

Reward exclusion

Rent PayFuelGovernment Payment & ServicesTax Payment (any medium)Third Party WalletsProperty Management

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Travel & lounge

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 · 2026-08-13 · source

Hotel benefit

Complimentary 1-year Taj Epicure membership.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-13 · source

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 · 2026-08-13 · source

Dining, golf, concierge, insurance, milestones & welcome

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 · 2026-08-13 · source

Renewal benefit

12,500 Reward Points each year you pay the fee (from Year 2), plus EazyDiner Prime renewal.

Last reviewed 2026-06-14 — confirm on official page

Concierge

Mastercard Moments programme - exclusive experiences for Mastercard cardholders.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-13 · source

Dining benefit

Complimentary EazyDiner Prime membership.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-13 · 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 · 2026-08-13 · source

Insurance

  • Air Accident Insurance cover (insurer: ICICI Lombard General Insurance Co. Ltd.).
  • Personal Accident due to Air (Death only): ₹3,00,00,000.
  • Purchase Protection: ₹1,40,000.
  • Credit Shield: ₹1,00,000.
  • Loss of Checked-in Baggage: ₹84,000.
  • Card Liability Cover: ₹50,000.
  • Medical Expenses (Rail/Road accident): ₹50,000.
  • Loss of Passport/travel documents: ₹35,000.
  • Baggage Insurance: ₹25,000.
  • Delay of Checked-in Baggage: ₹21,000.
  • Missing connecting international flight: ₹21,000.
  • Delay in Flight: ₹17,500.
  • Only Primary card holders are covered.
  • Cover applies only to active cards (a transaction in the last 90 days).

Verified · Comprehensive Insurance Cover Terms & Conditions · 2026-08-13 · source

Milestone benefit

  • BookMyShow offer: buy one ticket, get the offer on the second, on spending ₹25,000 or more in the preceding quarter (w.e.f. Jan 15, 2026).
  • This Emeralde Private Metal (Metal) variant is not listed among cards eligible for BookMyShow under the revised offer.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Eligibility

Eligibility

Must be between the age group of 21-65 years to be eligible to apply.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-13 · source

Charges & interest

Forex markup

  • 2% mark-up on foreign currency transactions (w.e.f. Nov 15, 2024).
  • A customer-initiated refund on similar foreign currency transactions also attracts the mark-up.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Charge

  • Card replacement fee: ₹3,500 (Emeralde Private Metal).
  • Supplementary/Add-on Card fee: one-time ₹3,500 + GST per Plus/Supplementary Card (w.e.f. Jan 15, 2026).
  • Finance charges (revolving credit, retail & cash advances): 3.75% per month i.e. 45% per annum (w.e.f. Nov 15, 2024).
  • Default up to 3.75% per month (45% p.a.).
  • Cash advance transaction fee: Nil.
  • Dynamic Currency Conversion fee: 2.00% (w.e.f. Jan 15, 2026).
  • Late payment charges: excluded for this card.
  • Over-limit charges: excluded for this card.
  • Rent Pay: 1% of transaction.
  • Fuel transaction: 1% on transactions exceeding ₹10,000 (w.e.f. Nov 15, 2024).
  • Utility transaction: 1% on transactions exceeding ₹50,000 (w.e.f. Nov 15, 2024).
  • Transportation transaction: 1% on transactions exceeding ₹50,000 (w.e.f. Jan 15, 2026).
  • Education payment via third-party apps: 1% (w.e.f. Nov 15, 2024).
  • 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).
  • Cash payment at branches: ₹100 revised to ₹150 per payment transaction (w.e.f. Jan 15, 2026).
  • EMI foreclosure charges applicable on discontinuation/cancellation of ongoing EMIs.
  • GST at 18% on all fees, interest, surcharge and other charges.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Fuel surcharge waiver

  • 1% fuel surcharge waiver at all fuel outlets in India on transactions up to ₹4,000, for both primary and Plus cardholder.
  • Waiver applicable for spends up to ₹1,00,000 per statement cycle.

Verified · ICICI Bank Emeralde Private Metal Credit Card product page · 2026-08-15 · source

Interest-free period

Interest-free period could range from 18 to 48 days, with a grace period of 3 days after the payment due date.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-13 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

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

Officially traced: Rs. 12,499 (2nd year onwards) + GST.

Most Important Terms & Conditions (MITC)

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

Officially traced: Rs. 12,499 (1st year) + GST.

ICICI Bank Emeralde Private Metal Credit Card product page

Is the ICICI Bank Emeralde Private Metal Credit Card annual fee ever waived?

Annual fee reversed on spends of Rs. 10,00,000 or more during the anniversary year (excludes rent, government and education payments and EMI transactions).

Most Important Terms & Conditions (MITC)

What lounge access does the ICICI Bank Emeralde Private Metal Credit Card include?

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.

ICICI Bank Emeralde Private Metal Credit Card product page

What welcome benefit does the ICICI Bank Emeralde Private Metal Credit Card offer?

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).

ICICI Bank Emeralde Private Metal Credit Card product page

What are the transfer ratios for ICICI Bank Emeralde Private Metal Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC)Comprehensive Insurance Cover Terms & Conditions

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 · 2026-08-13 · source

Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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