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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsICICI BankICICI Bank Emeralde Private Metal Credit Card
ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

Reward Points Mastercard Super Premium
4.5/5.0CardwiseHQ Review
1st Year Fee: ₹12499(Waived on ₹10 lakh annual spends for the next year)
Primary Reward
6 Reward Points on every ₹200 spent on retail
1st Year Fee
₹12499
Fee Waiver
Waived on ₹10 lakh annual spends for the next year
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

The Emeralde Private Metal Credit Card is your gateway to unmatched luxury and exclusivity.

Fees & Charges

ICICI Bank Emeralde Private Metal Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 12,499
Annual / Renewal Fee₹ 12,499
Fee Waiver ConditionWaived on ₹10 lakh annual spends for the next year
Interest Rate (per month)3.75% per month
Late Payment ChargesNil
Foreign Transaction Fee2%

Rewards & Cashback

ICICI Bank Emeralde Private Metal Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate6 Reward Points on every ₹200 spent on retail
Secondary Reward RateMax 1,000 Reward Points per category (Grocery, Utilities, Education); Max 5,000 Reward Points per category (Insurance payments)
Max Cashback / Rewards (Monthly)Max 1,000 Reward Points per category per statement cycle for Grocery, Utilities, and Education; Max 5,000 Reward Points per category per statement cycle for Insurance payments
Welcome / Joining BonusTaj Epicure Plus Membership, EazyDiner Prime Membership and 12,500 Reward Points
Milestone Benefits2 EaseMyTrip vouchers worth up to ₹6,000 on annual spends of ₹8 lakh

Features & Benefits

ICICI Bank Emeralde Private Metal Credit Card · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access DetailsUnlimited International (via Priority Pass, 1400+ lounges) and Domestic airport lounge access for both Primary and Plus Card members.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on fuel transactions up to ₹4,000 at any fuel outlet in India
Insurance Coverage₹3 crore Air Accident Insurance (primary cardholder, international travel, card used once in 60 days prior), Counterfeit Card Liability, Account Takeover Cover
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

ICICI Bank Emeralde Private Metal Credit Card · Detailed eligibility

ParticularsDetails
Minimum Age21
Maximum Age65
Card NetworkMastercard
Card VariantSuper Premium
Best ForOutstanding luxury rewards, High Net Worth Individuals, Travel, Golf, Entertainment

Pros & Cons

Advantages
  • Unlimited complimentary airport lounge access (domestic and international)
  • Unlimited complimentary golf rounds
  • Taj Epicure Plus and EazyDiner Prime memberships
  • Buy One Get One offer up to ₹750 on BookMyShow (twice a month)
  • Significant welcome bonus including 12,500 Reward Points
  • ₹3 crore Air Accident Insurance coverage
  • 24x7 concierge service
Disadvantages
  • High joining and annual fees (₹12,499 + GST)
  • By invitation only (requires relationship manager contact)
  • Specific reward point caps on certain categories like Grocery, Utilities, Education, and Insurance

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Outstanding luxury rewards, High Net Worth Individuals, Travel, Golf, Entertainment

ICICI Bank Emeralde Private Metal Credit Card by ICICI Bank is rated 4.5/5 by our editorial team. The Emeralde Private Metal Credit Card is your gateway to unmatched luxury and exclusivity..

About ICICI Bank Emeralde Private Metal Credit Card

The Emeralde Private Metal Credit Card from ICICI Bank offers an unparalleled luxury experience, designed for the discerning individual. Cardholders are treated to exclusive memberships like Taj Epicure Plus and EazyDiner Prime, alongside substantial welcome bonuses. This card truly stands out with its extensive lifestyle privileges. Enjoy unlimited complimentary airport lounge access, both domestic and international, for primary and add-on card members, ensuring a seamless travel experience. Golf enthusiasts can indulge in unlimited complimentary golf rounds. For entertainment, the card provides Buy One Get One offers on BookMyShow, making movies and events more enjoyable. Additionally, it offers comprehensive benefits like a 24x7 concierge service, significant air accident insurance, and a refund on domestic travel cancellations.

Quick Facts

Joining Fee₹12,499
Annual Fee₹12,499
Interest Rate3.75% per month
Card NetworkMastercard
Card VariantSuper Premium
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes