ICICI Bank Emeralde Private Metal Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Premium · Open to new applications · Earns Points

“By invitation only, please get in touch with your Relationship Manager”

First-year fee

₹12,499 + GST

Annual fee

₹12,499 + GST

What it gives back

6 Points per ₹200 · everyday spends

Read from 6 ICICI Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹12,499 annual fee: of the 273 other open cards whose annual fee we have read, 260 state a lower one, 1 states the same and 12 state a higher one.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

Fees

Annual feeJoining fee
₹12,499 + GST
Fee waiver rule
Fee waived if you spend ₹10 lakh.
Add-on card fee
Supplementary Card fee of ₹3,500 + GST is applicable as a one-time fee for each Supplementary Card

Welcome offer

Welcome benefit
Get Taj Epicure Plus Membership, EazyDiner Prime Membership and 12,500 Reward Points.

Rewards

Reward rate
6 Points per ₹200 · everyday spends6 Points per ₹200 spent on retail spend.
Reward exclusions
No Reward Points earned on: Rent Pay, Fuel, Government Payment & Services, Tax Payment (any medium), Third Party Wallets and Property Management
Reward caps
Grocery, Utilities, and Education: Max 1,000 Reward Points per category per statement cycle; Insurance payments: Max 5,000 Reward Points per category per statement cycle.
Catalogue redemption
Redeem reward points for Health and Beauty, Travel and Luggage, Shopping Voucher, Home Appliances, Electronics, Fashion and Lifestyle.
Redeeming points for travel
Redeem reward points for Travel and Luggage.
Voucher and product redemption
Redeem reward points for Shopping Voucher.
Point expiry
Reward points have expiry of 36 months from the date of issuance.

Card benefits

Domestic lounge access
For lounge visits within India, Primary and Add-on Cardholders can avail unlimited complimentary lounge access through ICICI Bank Emeralde Private Metal Credit Card.
International lounge access
Enjoy unlimited complimentary accesses to international airport lounges with ICICI Bank Emeralde Private Metal Credit Card.
Hotel or travel programme
No cancellation charges on domestic flight and hotel bookings, up to ₹12,000
Dining programme
Complimentary EazyDiner Prime membership
Golf
Get unlimited Golf rounds every month.
Concierge
24/7 support for varied needs such as restaurant reservations, flower and gift deliveries, hotel and flight bookings, car rentals and even movie ticket delivery.
Milestone benefits
Get 2 EaseMyTrip vouchers on annual spends of ₹8 lakh, worth up to ₹6,000
Movie or entertainment ticket benefit
Buy One Get One up to ₹750 off on BookMyShow, twice a month

Also included

Fuel surcharge waiver
Cardholders can avail of a 1% fuel surcharge waiver on all fuel transactions of up to ₹4,000 at any fuel outlet in India.
Air accident cover
Air Accident Insurance coverage of ₹3 crore; the insurance covers international travel only

Charges

Forex markup
2% on foreign currency transactions.
Cash advance feeLate payment fee
Nil
Cash withdrawal limit
The Credit Limit and Cash Withdrawal Limit are communicated at the time of delivery of the Card and are indicated in the monthly statements.
Interest on unpaid balance
3.75% per month i.e., 45% per annum.
Interest-free period
Interest-free period could range from 18 to 48 days, with a grace period of 3 days after the payment due date
Payment return or dishonour fee
Return of cheque or Auto-Debit return: 2% of Total Amount Due (Min. ₹500)
Card replacement fee
₹3,500
Minimum amount due
5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Eligibility

Eligibility
Must be between the age group of 21-65 years to be eligible to apply.
Documents required
Proof of identity, Proof of address, Income Proof; No physical documents required.

In the terms, not the brochure (2)

Whether carrying a balance ends the interest-free period
No interest free period if the Total Amount Due is not paid by the payment due date + 3 days grace.
What must be paid with the card for the cover to apply
Applies only when the Card has been used at least once in the 60 days prior to the event; covers international travel only, provided the tickets were purchased using the Credit Card; Supplementary Cardholders are not eligible

How we know - 6 documents from ICICI Bank, checked 19 Oct 2026

6 documents from ICICI Bank, checked 19 Oct 2026.

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