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Last updated: 01-06-2026
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

"ICICI's ultra-premium metal card โ€” unlimited global lounge access with no spend condition, unlimited golf, exclusive hotel benefits and โ‚น3 crore air accident cover"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น12,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น12,000 + GST
Waived: Fee waiver on meeting annual spend or ICICI Bank relationship value requirement โ€” verify current conditions on ICICI website
๐ŸŽฏ Best Suited For
HNI individuals wanting unlimited global lounge access with no quarterly spend condition; frequent international travellers wanting premium concierge, unlimited golf and comprehensive insurance โ€” Emeralde Private Metal is exempt from ICICI's July 2026 lounge spend rules
๐ŸŽ Reward Type
ICICI Reward Points (1 RP = โ‚น0.25 for most; airline transfer partners available)
๐ŸŽ‰ Welcome Benefit
Luxury vouchers from top brands and complimentary hotel stay on card issuance โ€” check current welcome offer on ICICI Bank Emeralde Private Metal page
๐Ÿ’ฐ Reward Rate
6 RPs per โ‚น100 on all eligible retail spends domestic and international (1.5% base rate); additional milestone points on high annual spends; excludes fuel, EMI, cash, government transactions
โœˆ๏ธ Lounge Access
Unlimited domestic and international airport lounge access for primary cardholder โ€” no quarterly spend condition. Emeralde Private Metal, Emeralde Private, Emeralde, Emirates Emeralde and Times Black are all exempt from ICICI's July 2026 lounge spend rule that affects lower tier cards.
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
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โœ… Pros
  • Unlimited global lounge access with no spend condition โ€” exempt from July 2026 ICICI lounge rules
  • Unlimited golf at premium courses worldwide
  • Luxury hotel benefits (upgrades, breakfast, late checkout)
  • Premium concierge and dedicated lifestyle manager
  • High air accident insurance cover โ‚น3 crore
โŒ Cons
  • Very high annual fee โ‚น12,000
  • High forex markup 3.5% โ€” surprising for this tier
  • Invite or relationship-based โ€” not freely available
  • Verify current benefit structure on ICICI website periodically

๐ŸŽ Rewards & Benefits

Reward Type
ICICI Reward Points (1 RP = โ‚น0.25 for most; airline transfer partners available)
Welcome Benefits
Luxury vouchers from top brands and complimentary hotel stay on card issuance โ€” check current welcome offer on ICICI Bank Emeralde Private Metal page
Reward Rate
6 RPs per โ‚น100 on all eligible retail spends domestic and international (1.5% base rate); additional milestone points on high annual spends; excludes fuel, EMI, cash, government transactions
Reward Redemption
ICICI rewards portal and iMobile: merchandise, travel, vouchers at 1 RP = โ‚น0.25; airline transfer partners
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
Unlimited domestic and international airport lounge access for primary cardholder โ€” no quarterly spend condition. Emeralde Private Metal, Emeralde Private, Emeralde, Emirates Emeralde and Times Black are all exempt from ICICI's July 2026 lounge spend rule that affects lower tier cards.
Spend Based Fee Waiver
Fee waiver on meeting annual spend or ICICI relationship value requirement
Milestone Benefits
High annual spend milestones unlock additional luxury benefits and bonus RPs โ€” verify current milestone structure on ICICI Bank website
Other Benefits
24x7 premium concierge with dedicated lifestyle manager; unlimited golf at premium courses in India and worldwide; luxury hotel benefits (room upgrades, complimentary breakfast, late checkout at partner properties); Priority Pass with unlimited access; comprehensive travel insurance; private banking relationship manager; exclusive dining privileges at top restaurants

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (unlimited international lounge access for primary cardholder)
Insurance Cover
Air accident cover up to โ‚น3 crore; emergency medical expenses overseas; comprehensive travel insurance; zero card liability on reporting
Add-on Cards
Premium add-on cards with elevated benefits
Concierge Services
24x7 premium concierge: dedicated lifestyle manager; travel bookings; private dining reservations; event arrangements
Special Offers
Unlimited golf worldwide; luxury hotel benefits; no lounge spend restriction โ€” exempt from July 2026 ICICI lounge rule

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น12,000 + GST
Annual Fee / Renewal Fee
โ‚น12,000 + GST
โœ“ Waived on: Fee waiver on meeting annual spend or ICICI Bank relationship value requirement โ€” verify current conditions on ICICI website
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.4% per month (40.8% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per ICICI Bank premium cardholder slab
Over Limit Charges
As per ICICI Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Premium card โ€” verify current benefits and fee waiver conditions on ICICI Bank Emeralde Private Metal page before applying; card positioning may be updated periodically

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
By invitation or for high-net-worth ICICI Bank customers; minimum annual income typically โ‚น30 lakh+; strong banking relationship with ICICI Bank
Credit Score Requirement
800+ CIBIL recommended; invite or relationship-based
Credit Limit
High credit limit โ€” typically โ‚น10 lakh and above

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น5,000; flexible tenures
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per ICICI Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via ICICI iMobile app; 24x7 premium helpline
Instant Fraud Alerts
Real-time alerts; dedicated fraud monitoring for premium cardholders
Purchase Protection
Comprehensive purchase protection; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
Dedicated premium helpline โ€” check card for number; 24x7
Chat / Email Support
Dedicated relationship manager; ICICI iMobile premium chat
Mobile App
ICICI iMobile: premium card management, concierge requests, rewards tracking
Online Banking
Full management via ICICI Bank NetBanking with premium features

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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