The ICICI Bank Emeralde Private Metal Credit Card is a super-premium, invitation-only credit card crafted from metal for durability and prestige. It is part of ICICI Bank's Private Banking portfolio, designed for clients with substantial banking relationships.

Key highlights of the card include:

• Card Network: Mastercard World Elite
• Card Material: Premium metal construction
• Availability: Invitation-only through ICICI Bank Relationship Manager
• Annual Fee: Rs. 12,499 + GST (waivable on Rs. 10 lakh annual spend)
• Reward Rate: 3% (6 points per Rs. 200 spent, 1 point = Rs. 1)

This card positions itself as a direct competitor to other super-premium cards like HDFC Infinia and Axis Magnus, offering comparable or superior benefits in several categories.

The Emeralde Private Metal card offers exceptional travel privileges:

• Unlimited Domestic Lounge Access: Complimentary access at select airports for primary and add-on cardholders
• Unlimited International Lounge Access: Priority Pass membership with access to 1,400+ lounges in 145+ countries
• Trip Cancellation Protection: Refund up to Rs. 12,000 on domestic flight/hotel cancellations, twice per year
• Low Forex Markup: Only 2% on international transactions (vs. industry standard 3.5%)

Lifestyle Benefits

• Unlimited Golf: Complimentary rounds and lessons at premium courses worldwide via Golftripz
• Taj Epicure Plus Membership: Exclusive dining benefits at Taj Hotels for one year
• EazyDiner Prime Membership: Premium dining discounts, renewed annually
• BookMyShow BOGO: Buy One Get One up to Rs. 750 on movies/events, twice monthly

Reward Benefits

• 3% Reward Rate: Earn 6 points per Rs. 200 spent on retail purchases
• Premium Redemption: 1 point = Rs. 1 for flights, hotels, and luxury brand vouchers
• Air India Transfer: 1:1 transfer ratio to Air India Maharaja Club

Insurance Benefits

• Air Accident Cover: Rs. 3 Crore insurance for international travel
• Fraud Protection: Counterfeit card liability and account takeover cover

Service Benefits

• 24x7 Concierge: i-Assist service for bookings, deliveries, and emergency assistance
• Zero Late Payment Fee: No charges for late payments - unique among premium cards
• Complimentary Add-on Cards: Up to 3 add-on cards at no extra cost

Upon card issuance and payment of joining fee, you receive:

• Taj Epicure Plus Membership: One year complimentary membership worth Rs. 10,000+
• EazyDiner Prime Membership: Annual membership for premium dining benefits
• 12,500 Reward Points: Worth Rs. 12,500 when redeemed for flights/hotels

Total welcome benefit value: Approximately Rs. 25,000+

Annual Benefits

• 12,500 Reward Points: Credited on payment of annual renewal fee
• EazyDiner Prime Renewal: Membership renewed each year automatically

Spend-Based Milestone Benefits

Enjoy unlimited complimentary domestic airport lounge access at select airports across India. Both primary and add-on cardholders are eligible.

How to avail: Present your ICICI Bank Emeralde Private Metal Credit Card along with your boarding pass at the lounge reception.

International Lounge Access

The card includes a complimentary Priority Pass membership providing unlimited access to over 1,400 airport lounges in 145+ countries worldwide.

Eligibility: Both primary and add-on cardholders receive Priority Pass membership.

How to avail: Present your Priority Pass membership card at participating international lounges.

Special Access

Cardholders also get access to the exclusive VIP section of the 080 lounge at Bangalore Airport, offering an enhanced lounge experience.

The ICICI Bank Emeralde Private Metal Credit Card offers one of the best reward rates among Indian credit cards:

Excluded Categories

Reward points are not earned on: Fuel, Rent payments, Wallet loading, Government/Tax payments

Redeeming Reward Points

Points Expiry: Reward points expire after 36 months (3 years) from the date of earning.

Transaction Fees

Other Fees

Fuel Surcharge

1% fuel surcharge waiver on transactions up to Rs. 4,000 at all fuel stations in India. Applies to both primary and add-on cardholders.

Important: The ICICI Bank Emeralde Private Metal Credit Card is an invitation-only product. You cannot apply directly through any online or offline channel.

How to Get This Card

• Invitation Only: This card is offered exclusively by invitation to ICICI Bank Private Banking clients
• Relationship Manager: Contact your ICICI Bank Relationship Manager to check eligibility
• Existing Customers: High-value ICICI Bank customers with substantial banking relationships may be eligible

General Requirements

• Age: 21 to 65 years
• Citizenship: Indian resident
• Banking Relationship: Existing ICICI Bank Private Banking client or high-value customer

Note: As an invite-only card, specific income and credit score requirements are not publicly disclosed. The bank evaluates each customer individually based on their overall banking relationship.

Since this is an invitation-only card, document requirements are typically minimal for existing ICICI Bank customers. However, the following may be requested:

Identity Proof (any one)

• PAN Card
• Aadhaar Card
• Passport
• Voter ID

Address Proof (any one)

• Aadhaar Card
• Utility Bills (electricity, water, gas)
• Passport
• Rental Agreement

Income Proof

• Latest Salary Slips (for salaried)
• Form 16
• Income Tax Return (ITR)
• Bank Statements (last 6 months)

Note: ICICI Bank offers DigiLocker integration, so physical documents may not be required in most cases.

Note: The ICICI Bank Emeralde Private Metal Credit Card is an invitation-only product and cannot be applied for directly.

Steps to Get the Card

1. Build Banking Relationship: Maintain a substantial relationship with ICICI Bank through deposits, investments, or existing credit products
2. Contact Relationship Manager: Speak with your ICICI Bank RM to express interest in the Emeralde Private Metal card
3. Eligibility Check: The bank will assess your profile, income, credit score, and banking relationship
4. Receive Invitation: If eligible, you will receive an invitation to apply for the card
5. Submit Application: Complete the application with required documents (minimal for existing customers)
6. Card Issuance: Upon approval, the metal card will be delivered to your registered address

Upgrade Path

Existing ICICI credit cardholders with the following may be considered for upgrade:

• Current credit limit of Rs. 6 lakh or more
• Good payment history and credit utilization
• Regular high-value transactions on existing card

Contact Information

For inquiries, contact ICICI Bank Customer Care at 1800 1080 (toll-free) or visit your nearest ICICI Bank branch.

The ICICI Bank Emeralde Private Metal Credit Card stands out as one of India's finest super-premium credit cards, offering an exceptional combination of rewards, travel privileges, and lifestyle benefits that justify its invite-only status.

Who Should Get This Card?

• High-net-worth individuals with substantial ICICI Bank relationships
• Frequent travelers who value unlimited lounge access
• Golf enthusiasts seeking complimentary rounds worldwide
• Luxury lifestyle spenders who can utilize Taj Epicure and EazyDiner benefits
• High spenders who can hit the Rs. 10 lakh threshold for fee waiver

Who Should Avoid This Card?

• Those unable to secure an invitation from ICICI Bank
• Individuals with annual spends below Rs. 5-6 lakh
• Those who prefer multiple airline transfer partners (consider HDFC Infinia instead)
• Budget-conscious users who cannot justify the annual fee

Bottom Line

With its industry-leading 3% reward rate, zero late payment fees, unlimited lounge and golf access, and premium memberships, the ICICI Emeralde Private Metal card delivers outstanding value for those who qualify. If you can secure an invitation and utilize its extensive benefits, this card is an excellent choice for luxury lifestyle and travel.

CardNitty Rating: 4.5/5 - Exceptional super-premium card with best-in-class benefits for eligible customers.