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ICICI BANK LTD
ICICI Bank Emeralde Private Metal Credit Card
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Verified Catalog
Source: ICICI BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
ICICI's flagship super premium metal credit card offering a 3% reward rate on regular spends, unlimited lounge access, exclusive hotel memberships, and luxury lifestyle benefits.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
12,500 reward points as welcome benefit.
Highlight 2
3% reward rate on all spends (6 ICICI reward points per ₹100).
Highlight 3
Unlimited domestic and international airport lounge access.
Highlight 4
Complimentary Club Marriott membership.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹12,000
The front-loaded charge when you apply.
Annual fee
₹12,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
ICICI Reward Points value at ~₹0.25 per point.
Annual Fee: ₹12,00011% Offset
Earns back 11% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Unlimited complimentary domestic airport lounge access."
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Invite-only or high income proof required. PAN card, address proof, income proof showing ₹25+ lakh annual income."
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 9.2/10
"ICICI's flagship metal credit card and one of the best super-premium cards in India. The flat 6 reward points per ₹100 (3% effective return), unlimited lounge access, Club Marriott membership, and low 2% forex markup make it exceptional value for high spenders and frequent international travelers."
Expert opinion & editorial scorecard summarizing the card's position.
4.6 / 5
Pros
- APR: 3.5% per month (42% per annum)
- Rewards Type: ICICI Reward Points
- Base Rate: 6 ICICI reward points per ₹100 on all spends.
- RP to Rupees: 1 reward point = ₹0.25 for statement credit
Cons
- Welcome Offer: 12,500 reward points as welcome benefit upon fee realization.
- higher value on travel and shopping.
- Domestic Airport: Unlimited complimentary domestic airport lounge access.
- International Airport: Unlimited complimentary international lounge access via Priority Pass.
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