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ICICI Bank Emeralde Private Metal Credit Card
Visa / Mastercard
Best for: Super-premium luxury

ICICI Bank Emeralde Private Metal Credit Card Review (2026)

★★★★½  4.6/5 · our editorial take
Reward: 3% (6 RP per Rs 200)Annual fee: Rs 12,499 + GST (waiver on Rs 10L spend)Best for: Super-premium luxury
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Quick verdict: The ICICI Bank Emeralde Private Metal Credit Card is best for super-premium luxury. It earns 3% (6 RP per Rs 200), with an annual fee of Rs 12,499 + GST (waiver on Rs 10L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The ICICI Bank Emeralde Private Metal is ICICI’s flagship super-premium card, built for high-net-worth customers who want unlimited lounge access, unlimited golf and luxury memberships.

It earns a strong 3% across spends, and the Rs 12,499 fee is offset by 12,500 welcome reward points plus Taj Epicure and EazyDiner Prime memberships, with the fee waivable on Rs 10 lakh spend.

Fees & Charges

Joining / annual feeRs 12,499 + GST (waived on Rs 10 lakh spend)
Reward rate6 reward points per Rs 200 (about 3%)
Annual bonus12,500 reward points on fee payment
Lounge accessUnlimited domestic and international (Priority Pass)
GolfUnlimited complimentary rounds and lessons
MembershipsTaj Epicure Plus and EazyDiner Prime
Finance charge~3.5% per month (about 42% p.a.)

Rewards & Benefits

  • 6 reward points per Rs 200 across spends — about a 3% return.
  • 12,500 bonus reward points every year on paying the membership fee.
  • Unlimited complimentary domestic and international airport lounge access via Priority Pass.
  • Unlimited complimentary golf rounds and lessons.
  • Taj Epicure Plus and EazyDiner Prime memberships, plus EaseMyTrip air vouchers worth Rs 6,000 on Rs 8 lakh spend.

Pros & Cons

Pros

  • Unlimited lounges and golf
  • Strong flat 3% reward rate
  • Luxury hotel and dining memberships
  • Annual bonus points offset the fee

Cons

  • Very high Rs 12,499 fee
  • High income/eligibility bar
  • Best value only for high spenders
  • Premium positioning, not for light users

Who Should Get This Card?

  • High-net-worth customers who travel and dine premium
  • People who will use unlimited lounges and golf
  • High spenders who can hit the Rs 10 lakh waiver

Ready to apply?

Applications are processed on the issuer’s official, secure website.

Apply for ICICI Bank Emeralde Private Metal Credit Card →

Frequently Asked Questions

Is the Emeralde Private Metal worth the fee?

For high spenders who use unlimited lounges, golf and the luxury memberships, the value can exceed the Rs 12,499 fee, which is also offset by 12,500 annual bonus points and waived on Rs 10 lakh spend.

What lounge access does it offer?

Unlimited complimentary domestic and international airport lounge access via Priority Pass for the cardholder.

What is the reward rate?

6 reward points per Rs 200, an effective 3% return, which is strong for a metal super-premium card.

How to Get the Most from the ICICI Bank Emeralde Private Metal Credit Card

  • Use it where it is strongest — super-premium luxury — where it earns 3% (6 RP per Rs 200); route other spends to a card that rewards them better.
  • Always pay the full statement balance by the due date so interest never eats your rewards.
  • Track the fee and its waiver (Rs 12,499 + GST (waiver on Rs 10L spend)) and aim to cross the waiver spend if the card is worth keeping.
  • Redeem rewards regularly through the highest-value option so points or cashback never lapse.
  • Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on ICICI Bank and the card variant, but for the ICICI Bank Emeralde Private Metal Credit Card you will usually need:

  • Age: generally 18–65 years.
  • Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
  • Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
  • Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing ICICI Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 3% (6 RP per Rs 200). To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

  • EMI Calculator — work out the real cost before converting a big purchase to EMI.
  • Interest Calculator — see how much revolving a balance actually costs you.
  • Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
  • Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
  • Compare all 60 cards — see how this card stacks up against the rest.

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

Affiliate disclosure: Links to the issuer may be affiliate/referral links; we may earn a commission at no extra cost to you. See our affiliate disclosure.

Important: Information is for general guidance only, not financial advice, and was verified in June 2026. Card fees, reward rates and benefits change often — confirm the latest terms on the issuer’s official website before applying.