ICICI Bank Emeralde Private Metal Credit Card
Fees
₹12,499 + Taxes
Joining & annual
Reward 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
Unlimited Domestic + International
Our 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.
Reward limits
Checked 28 Sep 2026 · Bank terms
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Points on grocery, utilities and education (each)
Max 1,000 points per statement cycle
-
Points on insurance
Max 5,000 points per statement cycle
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6 points per ₹200 on other spends
No limit
No rewards on: Fuel, rent, government, EMI, cash advances
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; fuel, rent and wallet-load spends no longer earn reward points, and the BookMyShow benefit now requires a preceding-quarter spend threshold (both revised 15 Jan 2026)
- Highly restrictive invitation-only or select wealth relationship requirement
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
Spend milestone
Annual renewal fee completely waived for the subsequent year upon reaching ₹10 Lakhs in annual spends
Fees & Charges
Joining fee
₹12,499 + Taxes
Annual fee
₹12,499 + Taxes
Annual fee waived on ₹10 Lakh annual spends
Interest rate
1.99% per month (23.88% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
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
Credit score & income
Excellent (780+), Exclusively via Invitation or Select HNI relationships
Frequently Asked Questions
Did ICICI Emeralde Private Metal lose any benefits in 2026?
How many lounge visits does this card offer?
What's the base reward rate?
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 |