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ICICI Emeralde Private Metal

ICICI Bank
|
Lounge Access Premium Travel

Annual Fee

₹12,499

Rewards/₹100 ⓘ

₹3.00 - ₹5.50

Normalized to balance base rate with bonus categories

At a Glance

Key Benefits

Reward points, 2.00% forex markup

Lounge Access

0 domestic + 0 intl lounges/year

Eligibility

Any income level, Age: 21-60 years

Quick Details

Annual Fee
₹12,499 #289
Joining Fee
₹12,499 #289
Forex Markup
2.00% #38
Rewards/₹100
₹3.00 - ₹5.50 #42
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
0/year
International Lounge Visits
0/year
Min Monthly Income ₹NaN
Network VISA
forex_markup 2.00%
fuel_surcharge_waiver 1.00%
Fee Waiver on Spend ₹10,00,000/yr

Reward Structure

Accel

Hotel Bookings via iShop

₹6.00 /₹100
Accel

Flights/Vouchers via iShop

₹3.00 /₹100
Base

All Spends incl. Utilities, Insurance

₹3.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Hotel Bookings via iShop
6.0 pts
50% ₹0
Flights/Vouchers via iShop
3.0 pts
30% ₹0
Other Spends
3.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Welcome bonus of 10,000 reward points on first transaction.

₹10,000

value

Milestone

Bonus rewards on Rs 4 lakhs annual spend.

Spend ₹4,00,000 within 365 days

₹12,500

value

Renewal Benefit

Annual fee waiver on Rs 3 lakhs spend.

Spend ₹3,00,000 within 365 days

₹12,499

value

Airport Lounge Access

International Free
0

visits

Unlimited via Priority Pass

Domestic Free
0

visits

Unlimited access

Insurance Coverage

Air Accident

₹3,00,00,000

Lost Baggage

₹84,000

Delayed Baggage

₹21,000

Delayed Flight

₹17,500

Lost Passport

₹35,000

Lifestyle Perks

Concierge

24x7 dedicated concierge service for travel, dining, and lifestyle needs.

Golf

12 /year

Complimentary golf rounds at premium courses across India.

Spa

4 /year

Complimentary spa sessions at luxury spas and wellness centers.

Airport Transfer

8 /year

Complimentary airport transfers in select cities.

Dining

20.00% off

20% discount at partner restaurants and dining outlets.

Movies

12 /year

25.00% off

Buy 1 Get 1 free movie tickets at select theaters.

Quick Analysis

The ICICI Bank ICICI Emeralde Private Metal is a premium credit card ideal for frequent travelers and high spenders. With rewards up to ₹6.00 per ₹100 and comprehensive lounge access, it offers excellent value for its annual fee. Best suited for those who can maximize the premium benefits.

Pros

  • Annual fee waiver on spending ₹1000000
  • Good reward rate of up to ₹6.00 per ₹100
  • Comprehensive insurance coverage up to ₹3 crore
  • Complimentary golf privileges
  • Spa and wellness benefits
  • Low forex markup of 2.00% - great for international spends

Cons

  • High annual fee of ₹12499 may not suit everyone
  • Significant joining fee of ₹12499
  • High income requirement of ₹4200K per month

Best For

Ultra-HNI customers seeking exclusive invite-only premium benefits

Frequently Asked Questions

What are the fees for ICICI Emeralde Private Metal Credit Card?
The ICICI Emeralde Private Metal Credit Card has a joining fee of Rs 12,499 and annual fee of Rs 12,499. The annual fee can be waived on spending Rs 1,000,000 in the previous year.
What is the eligibility criteria for ICICI Emeralde Private Metal Credit Card?
To be eligible for the ICICI Emeralde Private Metal Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. ICICI Bank customers with existing relationships may get preferential treatment.
What rewards does ICICI Emeralde Private Metal Credit Card offer?
The ICICI Emeralde Private Metal Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 1.00. Points can be redeemed for vouchers, merchandise, or travel bookings through the ICICI Bank rewards portal.
Does ICICI Emeralde Private Metal Credit Card offer airport lounge access?
Yes, the ICICI Emeralde Private Metal Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for ICICI Emeralde Private Metal Credit Card?
You can apply for the ICICI Emeralde Private Metal Credit Card through ICICI Bank official website, mobile app, or by visiting your nearest ICICI Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

2.6
APPLY NOW

on ICICI Bank's website

Rating Breakdown

Rewards
2.4/5 Top 95%
Benefits
3.1/5 Top 43%
Fees
1.9/5 Top 95%
Value for Money
2.8/5 Top 84%
User Reviews
3.0/5 Top 50%

Important Links

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