MyFinCards
Emeralde Private Metal

Joining Fee

₹12,499

Annual Fee

Rs. 12499 (Reversed on annual spends of Rs. 10 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
ICICI Bank
Lifestyle
Travel
Rewards
Best For: High-net-worth individuals seeking luxury lifestyle benefits, Frequent international travellers, Golf enthusiasts, Hotel and dining connoisseurs

Emeralde Private Metal

Rewards Structure

Base Reward Rate

6% on spends

Point Value

1 Point = ₹0.25

Pros

  • Unlimited international and domestic airport lounge access
  • Unlimited complimentary golf rounds monthly
  • Taj Epicure Plus and EazyDiner Prime membership on joining
  • Air Accident Insurance cover of ₹3 crore
  • No late payment charges
  • Annual fee waived on spends over ₹10 lakh

Cons

  • High joining and annual fee of ₹12,499 + GST
  • By invitation only – not available to the general public
  • Reward points capped for grocery, utilities, education and insurance categories
  • Air Accident Insurance covers international travel only
  • 2% forex markup applies

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Card is invite-only via Relationship Manager

Grocery, utilities and education reward points capped at 1,000 per category per statement cycle

Insurance reward points capped at 5,000 per category per statement cycle

Air Accident Insurance requires card to have been used at least once in the 60 days prior to the event

Supplementary cardholders not eligible for Air Accident Insurance

Key Benefits & Features

Joining benefit: Taj Epicure Plus Membership, EazyDiner Prime Membership and 12,500 Reward Points.

Eligibility Criteria

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof

Notable Exclusions

Grocery, Utilities and Education spends capped at 1,000 Reward Points per category per statement cycle.Insurance payments capped at 5,000 Reward Points per category per statement cycle.Fuel surcharge waiver applicable only on transactions up to ₹4,000.

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Emeralde Private Metal

The ICICI Bank Emeralde Private Metal Credit Card is an invitation-only luxury credit card designed for high-net-worth individuals who demand the finest in lifestyle, travel, and entertainment privileges. As a premium metal card on the Mastercard network, it opens doors to a world of exclusivity from the moment of joining, offering Taj Epicure Plus Membership, EazyDiner Prime Membership, and 12,500 bonus Reward Points as welcome benefits. Travel experiences are elevated through unlimited international and domestic airport lounge access for both primary and Plus cardholders, backed by a complimentary Priority Pass membership covering over 1,400 lounges across 145+ countries. Golf enthusiasts enjoy unlimited complimentary rounds every month across top courses, while frequent flyers benefit from air accident insurance coverage of up to ₹3 crore and zero cancellation charges on domestic flights and hotel bookings up to ₹12,000. Beyond travel, the card rewards everyday spending with 6 Reward Points per ₹200 spent, redeemable across categories including travel, fashion, electronics, and more. Entertainment perks include a Buy-One-Get-One offer on BookMyShow up to ₹750 twice monthly. A 24x7 concierge service, 1% fuel surcharge waiver, EaseMyTrip vouchers on milestone spends, and a 2% forex markup round out a card built for those who expect nothing less than exceptional.

Expert Review

Our Verdict

Ultra-premium metal card with unlimited lounge & golf access, Taj Epicure membership and luxury lifestyle perks.

Frequently Asked QuestionsAbout Emeralde Private Metal

OTHERIs the Emeralde Private Metal Credit Card a luxury Credit Card?
Yes. The Emeralde Private Metal Credit Card is a luxury Credit Card from ICICI Bank. It is packed with plenty of premium benefits including unlimited international and domestic airport lounge access, complimentary golf rounds every month, Taj Epicure Plus and EazyDiner Prime memberships, BookMyShow offers, 24x7 concierge service, and Air Accident Insurance cover of up to ₹3 crore.
ELIGIBILITYIs the Emeralde Private Metal Credit Card available to everyone?
No. The Emeralde Private Metal Credit Card is available by invitation only and is not open to the general public. To apply, you need to get in touch with your ICICI Bank Relationship Manager. You must be between 21–65 years of age to be eligible. Please contact your Relationship Manager for further details on eligibility and the invitation process.
ELIGIBILITYWhat is the age limit for the Emeralde Private Metal Credit Card?
You must be between the age group of 21–65 years to be eligible to apply for the ICICI Bank Emeralde Private Metal Credit Card. Since the card is available by invitation only, meeting the age criteria alone does not guarantee issuance. Please get in touch with your ICICI Bank Relationship Manager to check your eligibility and receive an invitation.
FEESWhat is the joining fee for the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card has a joining fee of ₹12,499 + GST. Upon payment of the joining fee, cardholders receive welcome benefits including Taj Epicure Plus Membership, EazyDiner Prime Membership, and 12,500 Reward Points. You will receive an email regarding your joining benefits within 45 business days after the payment of the joining fee.
FEESWhat is the annual fee for the Emeralde Private Metal Credit Card, and can it be waived?
The Emeralde Private Metal Credit Card has an annual fee of ₹12,499 + GST. However, the annual fee can be waived for the next year if you spend over ₹10 lakh in the current year. There are no late payment charges on this card, making it more rewarding for high-spenders who can meet the annual spend threshold.
REWARDSWhat are the reward points benefits on the Emeralde Private Metal Credit Card?
Cardholders earn 6 Reward Points on every ₹200 spent on retail transactions. However, certain categories have caps: Grocery, Utilities, and Education are capped at a maximum of 1,000 Reward Points per category per statement cycle, and Insurance payments are capped at 5,000 Reward Points per statement cycle. Reward Points can be redeemed for Health and Beauty, Travel and Luggage, Shopping Vouchers, Home Appliances, Electronics, and Fashion and Lifestyle.
USAGEHow can Emeralde Private Metal Credit Cardholders claim their joining vouchers?
Step 1: Log into ICICI Bank Rewards via iMobile app (Cards & Forex → Select card → Reward Points → Tap 'Redeem Now') or Net Banking (Cards & Loans → ICICI Bank Rewards → Choose card → Reward Points → Click 'Redeem Now'). Step 2: On the Rewards site, click the 'Joining Benefit / Annual Benefit' tab to open the Benefits Page. Step 3: Find your TAJ Epicure and EazyDiner voucher codes and follow the on-screen instructions for membership activation and voucher redemption.
BENEFITSWhen will I receive the joining benefits for the Emeralde Private Metal Credit Card?
You will receive an email regarding your joining benefits within 45 business days after the payment of the joining fee. The joining benefits include Taj Epicure Plus Membership, EazyDiner Prime Membership, and 12,500 Reward Points. Make sure your registered email ID is correct and active to receive timely communication about your benefits.
BENEFITSWhat airport lounge access benefits does the Emeralde Private Metal Credit Card offer?
The Emeralde Private Metal Credit Card offers unlimited complimentary international airport lounge access through a complimentary Priority Pass Membership for both the primary and Plus (add-on) cardholder. This provides access to 1,400+ lounges across 145+ countries worldwide. Cardholders also enjoy unlimited domestic airport lounge access. Simply present your Priority Pass Membership Card at participating international lounges or swipe your credit card for domestic lounge access.
BENEFITSWhat are the golf privileges offered with the Emeralde Private Metal Credit Card?
Emeralde Private Metal Credit Cardholders are eligible for unlimited complimentary rounds or lessons of golf every month. The benefit can be booked through the Golftripz website at www.teetimes.golftripz.com by creating a Golftripz account using the same email ID registered with your ICICI Bank Credit Card. Benefits are credited to your account by the 10th day of the following month and are available for use over the next two months. You can also call iAssist at 1800-26-70731 for assistance.
BENEFITSWhat Air Accident Insurance coverage does the Emeralde Private Metal Credit Card provide?
The primary cardholder is entitled to Air Accident Insurance coverage of ₹3 crore. This benefit applies only when the card has been used at least once in the 60 days prior to the event. Please note that the insurance covers international travel only, and tickets must have been purchased using the Credit Card. Supplementary (Plus) cardholders are not eligible for this insurance coverage.
BENEFITSWhat are the movie and entertainment benefits on the Emeralde Private Metal Credit Card?
Cardholders enjoy a Buy-One-Get-One offer on movies, sports events, theatre, or concert tickets worth up to ₹750 on the purchase of a minimum of two tickets via BookMyShow, available twice a month. Any additional bookings beyond the complimentary benefit will be charged as per rates decided by the service provider. This makes the card ideal for entertainment enthusiasts looking for premium savings on experiences.
INTERNATIONALWhat is the forex markup fee on the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card has a 2% forex markup fee on international transactions. While the card offers premium international travel benefits like unlimited airport lounge access and Air Accident Insurance for international travel, it is important to factor in the 2% forex markup when spending abroad. Cardholders should consider this charge when using the card for foreign currency transactions.
BENEFITSWhat are the fuel surcharge waiver benefits on the Emeralde Private Metal Credit Card?
Cardholders can avail a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet in India. This benefit applies to both the primary cardholder and the Plus (supplementary) cardholder. The waiver is automatically applied when the eligible transaction is completed using the Credit Card, helping you save on regular fuel expenses.
DOCUMENTSWhat documents are required to apply for the Emeralde Private Metal Credit Card?
The Emeralde Private Metal Credit Card is available by invitation only. To apply, you need to get in touch with your ICICI Bank Relationship Manager. The general documents required include proof of identity, proof of address, and income proof. Notably, no physical documents are required as the application process is handled digitally. Please contact your Relationship Manager for the specific document requirements applicable to your profile.

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