ICICI Bank Emeralde Private Metal Credit Card
Best for super-premium spenders wanting unlimited lounges and hotel memberships. 6 RP per Rs 200 (3% at Rs 1/RP on flights/hotels); 6X-12X via iShop. RP worth up to Rs 1 (travel), Rs 0.6 (catalogue), Rs 0.4 (statement credit)
Terms as of 2026-09-26 · Checked 28 September 2026ICICI Bank Emeralde Private Metal Credit Card at a glance
Who it suits: Super-premium spenders wanting unlimited lounges and hotel memberships
Rewards & cashback
| Details | |
|---|---|
| How you earn | 6 RP per Rs 200 (3% at Rs 1/RP on flights/hotels); 6X-12X via iShop. RP worth up to Rs 1 (travel), Rs 0.6 (catalogue), Rs 0.4 (statement credit) |
| Caps & exclusions | Grocery/utilities/insurance points capped per cycle; no RP on tax, fuel, rent, wallet loads |
| Welcome benefit | 12,500 bonus RP on activation + Taj Epicure membership |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹3,600 | -₹11,149 |
| ₹3,00,000 / year | ₹9,000 | -₹5,749 |
| ₹6,00,000 / year | ₹18,000 | ₹3,251 |
| ₹12,00,000 / year | ₹36,000 | ₹36,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited domestic and international (Priority Pass) for primary and add-on |
| Fuel surcharge | 1% waiver below Rs 4,000, max Rs 1,000/month |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹12,499 + GST |
| Annual / renewal fee | ₹12,499 + GST |
| Fee waiver | Annual fee waived on Rs 10 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Invite-only / high-income; thresholds not published |
| Age | 21-65 (Coral/Rubyx/Sapphiro); Amazon Pay 18-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| Kotak Solitaire | Kotak Mahindra Bank | Free / ₹25,000 | 3.00% base value | Affluent Kotak Solitaire customers who travel abroad (zero forex) |
Frequently asked questions
What is the annual fee of the ICICI Bank Emeralde Private Metal Credit Card?
Joining fee ₹12,499 and annual fee ₹12,499 (plus 18% GST). Annual fee waived on Rs 10 lakh annual spend.
What rewards does it offer?
6 RP per Rs 200 (3% at Rs 1/RP on flights/hotels); 6X-12X via iShop. RP worth up to Rs 1 (travel), Rs 0.6 (catalogue), Rs 0.4 (statement credit) Caps/exclusions: Grocery/utilities/insurance points capped per cycle; no RP on tax, fuel, rent, wallet loads
Does it give airport lounge access?
Unlimited domestic and international (Priority Pass) for primary and add-on
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
Invite-only / high-income; thresholds not published. A CIBIL score of 750+ improves approval chances.
Is the ICICI Bank Emeralde Private Metal Credit Card good for me?
Best for: Super-premium spenders wanting unlimited lounges and hotel memberships. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-26. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on ICICI Bank’s website before applying. FinancePortal is not affiliated with the issuer.