ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank Emeralde Private Metal Credit Card
12,500 reward points as welcome benefit.
3% reward rate on all spends (6 ICICI reward points per ₹100).
Unlimited domestic and international airport lounge access.
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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.
Joining Fee
₹12000
Annual Fee
₹12000
Rating
4.6/5.0(0 reviews)
Key Features
12,500 reward points as welcome benefit.
3% reward rate on all spends (6 ICICI reward points per ₹100).
Unlimited domestic and international airport lounge access.
Complimentary Club Marriott membership.
Low forex markup of 2%.
24×7 concierge service.
Golf privileges at top courses across India.
Rewards Program
Base Rewards
Reward Type
ICICI Reward Points
Base Reward Rate
6 ICICI reward points per ₹100 on all spends.
Point Value
1 reward point = ₹0.25 for statement credit; higher value on travel and shopping.
Points Expiry
3 years from date of accrual.
Bonus Rewards
Welcome Offer
12,500 reward points as welcome benefit upon fee realization.
Accelerated Rewards
No additional accelerated structure — flat 6 points per ₹100.
Card Benefits
Travel Benefits
Unlimited complimentary domestic airport lounge access.
N/A
Dining & Entertainment
N/A
N/A
Lifestyle & Protection
N/A
Comprehensive travel insurance; air accident cover; purchase protection.
4 complimentary golf rounds per month at premium courses.
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | 2% of transaction amount (reduced forex markup). |
| Cash Advance Fee | N/A |
| APR | 3.5% per month (42% per annum) |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver at all fuel stations. |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Not specified — premium card.
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Invite-only or high income proof required. PAN card, address proof, income proof showing ₹25+ lakh annual income.
Expert Opinion
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.
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Experience the premium benefits of the ICICI Bank Emeralde Private Metal Credit Card today.