ICICI Bank Emeralde Private Metal Credit Card
Updated 15 Apr 2026Source-linked
The ICICI Bank Emeralde Private Metal Credit Card is a super premium credit card from ICICI Bank, with a joining fee of ₹12,499 + GST.
It earns up to 6% back on international spend spends in the form of icici reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 12,500 icici reward points + taj epicure + eazydiner prime memberships as a welcome benefit.
ICICI Bank Emeralde Private Metal Credit Card
- Joining Fee₹12,499
- Annual Fee₹12,499
- Best Suited ForTravel
- Reward TypeICICI Reward Points (points)
Rewards Rate
- 6% on international spend
- Base 3.00% on other spends
Welcome Benefits
- 12,500 ICICI Reward Points + Taj Epicure + EazyDiner Prime memberships
ICICIinfinitesuper premiumRewards and Benefits
Rewards Rate
6% on international spend
Base 3.00% on other spends.
Reward Redemption
ICICI Rewards: Redeem at ₹1 per unit.
Welcome Benefits
12,500 ICICI Reward Points + Taj Epicure + EazyDiner Prime memberships
Milestone Rewards
- ₹10,00,000 / annual: Renewal-fee waiver + bonus points
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
Up to 25% off via Culinary Treats / EazyDiner Prime
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
- air accident: ₹3,00,00,000
- travel medical: ₹50,00,000
Other Benefits
- Taj Epicure Plus membership — Complimentary Taj Epicure Plus enrolment.
- EazyDiner Prime membership — Complimentary EazyDiner Prime for 1 year.
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by ICICI Bank.
- Joining / annual fee of ₹12,499 + GST, waived on annual spends of ₹10,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Strong base reward rate of 3.00%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 6% on international spend.
Cons
- High annual fee of ₹12,499.
- No rewards on fuel spends.
₹25,000 welcome benefit
- 12,500 ICICI Reward Points + Taj Epicure + EazyDiner Prime membershipsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 6% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
Milestone benefits
- ₹10,00,000 / annual: Renewal-fee waiver + bonus points (≈ ₹12,499 value)
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass, dragonpass. Guests: unlimited.
Insurance benefits
- air accident: ₹3,00,00,000
- travel medical: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Other benefits
- Taj Epicure Plus membership. Complimentary Taj Epicure Plus enrolment.
- EazyDiner Prime membership. Complimentary EazyDiner Prime for 1 year.
Sources
- : www.icicibank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- ₹42,00,000 p.a.
- Income (self-employed)
- ₹42,00,000 p.a.