ICICI Bank Emeralde Private Metal Credit Card
Fees
₹12,499 + Taxes
Joining & AnnualReward Rate
6 Reward Points per ₹200 spent (3% base rate) on all standard categories
Welcome Bonus
12,500 Reward Points + complimentary Taj Epicure Plus and EazyDiner Prime memberships on joining
Lounge Access
Unlimited Domestic + International
FindMyCard Expert Take
ICICI Emeralde Private Metal covers the essentials of a premium travel card well: unlimited lounge access at home and abroad, a flat 4 points per ₹100 on everyday spending, and a 2% forex markup that undercuts most cards in this fee bracket. The ₹10,000 fee is waived the following year once you cross ₹15 lakh in annual spending.
Pros & Cons
Key Advantages
- Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance
- 6 Reward Points per ₹200 spent (3% base rate) on all standard categories
- 2% forex markup on international spends, lower than most premium cards
- 1.99% monthly interest rate if you carry a balance, competitive for this card tier
- Dedicated concierge service for travel and lifestyle bookings
Limitations
- Premium standalone annual entry fee of ₹12,499 processed upfront
- No programmatic direct point-to-mile transfer options to airline systems
- Highly restrictive invitation-only or select wealth relationship requirement
Editorial Verdict
The ICICI Bank Emeralde Private Metal Credit Card is ideally suited for luxury travelers & high spenders. If you want 6 reward points per ₹200 spent (3% base rate) on all standard categories, this card delivers real value. The ₹12,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Excellent (780+), Exclusively via Invitation or Select HNI relationships credit to be approved.
Key Perks & Spending Milestones
4 reward points for every ₹100 spent across all standard transactions
Unlimited complimentary international airport lounge visits worldwide via Priority Pass
Unlimited complimentary domestic airport lounge visits across India
Unlimited accompanying guest entry visits in domestic and international premium lounges
24/7 personal concierge service for travel and lifestyle bookings
Reduced markup rate of 2.0% on cross-currency international spends
Air accident death coverage plan shielding values up to ₹3 Crore
1% fuel surcharge waiver valid across computerized fuel pump stations in India
Milestone: Renewal fee waiver triggered on hitting ₹10 Lakhs in annual spends
🚀 Milestone Spends Timeline
Annual renewal fee completely waived for the subsequent year upon reaching ₹10 Lakhs in annual spends
Fees & Charging Rates
Annual Fee Waivers
₹12,499 + Taxes
💡 Annual fee waived on ₹10 Lakh annual spends
Regular Interest Charges
1.99% per month (23.88% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
air accident cover
Up to ₹3 Crore
lost card liability
Shielded against unauthorized spends from the exact moment of loss reporting
emergency medical cover
Comprehensive overseas travel health buffer coverage
Eligibility Criteria
age
21 to 65 years
Compare ICICI Bank Emeralde Private Metal Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Emeralde Private Metal Credit Card This Card | ₹12,499 + Taxes | 6 Reward Points per ₹200 spent (3% base rate) on all standard categories | Unlimited Domestic + International | 4.6/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |