The ICICI Emeralde Private Metal Credit Card is a premium offering designed for high-net-worth individuals seeking exclusive rewards and luxury benefits. Its USP lies in offering a range of elite privileges, such as global airport lounge access, personalized concierge services, and premium hotel upgrades. Best suited for business professionals, frequent travelers, and luxury seekers, it provides rewards on travel, dining, and shopping, along with complimentary access to premium events and special discounts at top-tier restaurants. Ideal for those who value prestige, seamless travel, and luxury experiences.
Complimentary Night Stay With Taj Epicure Membership (Validity- 1 Year) Joining bonus reward points
Renewal Benefits
This fee is reversed, if spends of Rs 10 lakh or above are done on the card. (Spends done in the next card anniversary year will be considered for the annual fee reversal calculation)
USP's:
Annual Bonus Reward Points Complimentary eazydiner prime membership every year
Fees & Charges
Joining & Renewal Fees
12499
Interest & Charges
APR : 45% per annum
Forex Fee: 2%
Late Payment Fee:
Nil as it is premium credit card
Additional Charges
Reward Redemption Charges: 0
Add-on Card fee : Rs.3500
Rewards
Accelerated Rewards:
Shop through ICICI IShop for Hotel, Bus, Flight Booking and Voucher Purchase to earn accelerated Rewards
Milestone Benefits
Spend 4 Lakhs to Get EasyMyTrip Flight Voucher Worth 3000Spend 8 Lakhs to Get EasyMyTrip Flight Voucher Worth 3000Spend 10 Lakhs to Get Renewal Fee Waived Off.
Exclusions
EMI, Fuel, Govt, Jewellery, Rent, Wallets
Rewards capping
Rewards Validity
3 Years from Accural Date
Redemption modes
Cashback
Brand Vouchers
Travel Booking
Airline Transfer
Catalouge Products
Additional Features
Lounge Benefits
Domestic : Unlimited for Add-on Card also
International : Unlimited for Add-on Card also
Insurance Benefits
Air Accidents Insurance
Card Liability Cover Up to 50k
Other Perks
EaseMyTrip Air Travel Voucher on Spending 4 and 8 Lakhs Respectively in an anniversary year
Upto Rs 750 Off on BookMyShow Twice a Month.
Unlimited Golf Lessons
I - Assist & 24x7 Free Concierge Support
Taj Epicure Membership
EazyDiner Prime Membership
Eligibility Criteria
Age
18Y
Min
60Y
Max
Credit Score
750
Ex Min
Income
(
Salaried
)
₹
Rs. 1.5 Lakh or more Per Month
Income
(
Self Employed
)
₹
Rs. 18 Lakh or more ITR
Other: Card-to-card eligibility requirements.
Pros
Earn 6 Reward Points per ₹200 spent across various categories, including retail, grocery, education, and insurance, translating to a 3% reward rate.
Unlimited complimentary access to domestic and international airport lounges for both primary and add-on cardholders.
Unlimited complimentary golf rounds and lessons at select courses worldwide.
Low foreign currency markup fee of 2%, beneficial for frequent international travelers.
Cons
High annual fee of ₹12,499 plus applicable taxes.
Reward Points redemption value varies: ₹1 per point for flights and hotels, ₹0.6 for rewards catalog, and ₹0.4 for statement credit.
Reward Points capped at 1,000 per month for categories like grocery, utilities, and education; 5,000 per month for insurance payments.
No Reward Points on fuel, EasyEMI, wallet loads, rent, and government-related transactions.
