Joining Fee

₹12,499

Annual Fee

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

Forex Markup

2% + GST

INTERNATIONAL

Late Payment Charges

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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