ICICI Bank Emeralde Private Metal Credit Card
ICICI · VISA★4.7/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap the card to flip
The ICICI Emeralde is ICICI Bank's super-premium flagship, offering unlimited domestic lounge access, golf privileges, Taj InnerCircle Gold membership, and a low 2% forex markup. Reserved for ICICI's high-net-worth relationship customers with annual spends exceeding ₹10 lakh.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 4% | — |
| Other | reward points | 1.50% | — |
International: 4% equivalent on international
Other: 6X points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international lounge access
12 complimentary golf rounds per year
24x7 concierge and lifestyle management
Who is this card for?
- 👑Super Premium tier — built for high spenders who want top-end perks.
- 🎯Strongest value if you spend heavily on International (4% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Strong rewards that can offset the annual fee for the right spender
- ✓Premium lifestyle perks (lounge, concierge, milestone benefits)
- ✓Lower forex markup, friendlier for international spend
👎 Cons
- ✕Annual fee applies unless the spend-based waiver is met
- ✕Higher income / eligibility bar
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your icici reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Higher value via iShop travel
🔥 Live offers on this card
1 liveTransfer bonuses and promos running right now for this card's rewards.
3X value on iShop flights & hotels
Redeem ICICI Reward Points via iShop travel at up to ₹0.40/point — far better than the standard catalogue.
Ends 2026-06-30 · view offer ↗
Frequently asked questions
What is the annual fee for the ICICI Bank Emeralde Private Metal Credit Card?+
The annual fee is Rs 12000.
What is the foreign currency markup?+
The forex markup is 2.00% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 300000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the ICICI Bank Emeralde Private Metal Credit Card are taken from ICICI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
Times Black ICICI Bank Credit Card
Same tier with similar rewards
HDFC Infinia Credit Card Metal Edition
Comparable HDFC option
SBI Card AURUM
Comparable SBI option
YES Bank Marquee Credit Card
Comparable YES option
HDFC Diners Club Black Metal Edition
Comparable HDFC option
YES First Exclusive Credit Card
Comparable YES option
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 💳 Fee changeEffective 1 May 2025
ICICI Emeralde credit card annual fee raised from ₹12,000 to ₹14,000. Existing cardholders will see the revised fee from their next anniversary date.
₹12,000 annual fee→₹14,000 annual fee
Want to know if this beats your current card for your spending?