Emeralde Private Metal Credit Card
ICICI Bank
Last updated: Feb 03, 2026
₹12,499
₹12,499
2%
Unlimited lounge access
Contents
A super-premium metal credit card designed for high-net-worth customers. It combines luxury lifestyle memberships, unlimited airport lounge access and premium concierge services. Ideal for frequent travellers and those who value exclusive hospitality and dining privileges.
Features of Emeralde Private Metal Credit Card which makes it unique
Taj Epicure Membership
Eligible cardholders receive access to Taj Epicure membership benefits, offering enhanced stays, dining privileges, and exclusive experiences across participating Taj group properties.
Hotel privileges, dining discounts, and curated hospitality benefits
Premium hospitality privileges not typically available on standard or mid-tier credit cards
Unlimited Golf Access
The card offers access to golf benefits at participating courses, enhancing lifestyle and leisure privileges for cardholders.
Complimentary access to select golf courses and green fees
Golf privileges typically restricted or capped on most premium credit cards
Metal Card Design
The ICICI Emeralde Private Metal Credit Card features a sleek metal construction that reflects exclusivity, premium craftsmanship, and elite status.
Premium metal finish with superior durability and exclusivity
Distinctive metal design compared to plastic cards offered in standard premium categories
Invite-only Status
The card is offered only through invitation or relationship-based approval, reinforcing its elite and selective nature.
Exclusive access limited to select high-value customers
Not publicly available like most premium credit cards
Unlimited Global Lounge Access
Cardholders enjoy seamless lounge access at airports across India and internationally through affiliated lounge programmes.
Unlimited domestic and international airport lounge access worldwide
Broader and more flexible lounge access compared to capped lounge benefits on other premium cards
Rewards Structure of Emeralde Private Metal Credit Card
Travel & Dining
acceleratedSpends at airlines, hotels, travel portals, restaurants, cafés, and fine-dining outlets (online & offline).
Accelerated rewards apply only to eligible merchant category codes classified as Travel or Dining.
Travel & Dining Accelerated Rewards: Cardholders earn accelerated reward points on eligible travel and dining spends made using the Emeralde Private Metal Credit Card. Merchant classification is determined by the network/bank, and excluded transactions do not earn bonus points.
International Spends
acceleratedAll international transactions, including overseas POS, international websites, and foreign currency payments.
International reward points are awarded in addition to base rewards; forex markup and taxes apply separately.
International Spend Rewards: International transactions made using the Emeralde Private Metal Credit Card are eligible for accelerated reward points. Rewards are calculated on the INR value after currency conversion, subject to applicable foreign exchange charges and card terms.
All Spends (Base Rewards)
baseAll eligible retail spends (domestic & international), excluding wallet loads, fuel, EMI conversion, and other excluded categories as per T&Cs.
Base reward points are earned on most regular card spends. Certain merchant categories and transactions may be excluded from reward eligibility.
Base Reward Structure: Cardholders earn base reward points on everyday spending using the Emeralde Private Metal Credit Card. Reward points earned under the base category can be redeemed for travel, luxury products, vouchers, or statement benefits, subject to the bank’s redemption catalogue and terms.
Milestones of Emeralde Private Metal Credit Card
Annual Spend Voucher
₹400,000 : EaseMyTrip vouchers worth ₹3,000
Annual Spend Milestone Benefit: On achieving annual card spends of ₹4,00,000 within a card anniversary year, the cardholder becomes eligible for EaseMyTrip vouchers worth ₹3,000. The voucher is issued as per the reward fulfilment cycle and is subject to validity, usage terms, and exclusions defined by the issuer and merchant. Spends such as fuel, wallet loads, EMI conversions, cash advances, fees, and taxes may be excluded from milestone calculation.
Premium Annual Spend Reward
₹8,00,000 (in a card anniversary year) : Premium travel / lifestyle vouchers worth ₹7,500
Premium Spend Milestone Benefit: On achieving annual card spends of ₹8,00,000 within the card anniversary year, the cardholder becomes eligible for EaseMyTrip vouchers worth ₹7,500. The voucher is issued as per the fulfilment cycle and is subject to validity, merchant terms, and usage conditions. Excluded transactions such as fuel, wallet loads, EMI conversions, fees, and taxes do not count toward milestone spends.
Elite Annual Spend Reward
₹12,00,000 (in a card anniversary year) : Premium travel / lifestyle vouchers worth ₹15,000
Elite Spend Milestone Benefit: Cardholders who achieve annual spends of ₹12,00,000 in a card anniversary year are eligible for elite milestone rewards worth ₹15,000. The reward may be issued as travel, hotel, or lifestyle vouchers, subject to availability and issuer terms. Milestone eligibility is calculated on net eligible spends after exclusions defined by the card issuer.
Fees & Charges of Emeralde Private Metal Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,499 |
| Annual Fee | ₹12,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5%of the withdrawn amount (minimum ₹500) |
| Late Payment Fee | 0%if Total Payment Due is less than 100 |
| Over Limit Fee | 2.5% |
| Returned Payment Fee | ₹450 |
| Cash Withdrawal Fee | 3.75% |
Renewal Conditions:Annual fee credited or waived on meeting the issuer's specified annual spend threshold (see T&Cs).
Fee Explanation Standard bank rates and charges apply for overdue amounts and cash transactions; refer to issuer T&Cs.
Detailed Explanation of Emeralde Private Metal Credit Card Fees
Joining Fee: 12499 (one-time)
Payable at the time of card issuance; subject to applicable taxes and terms & conditions.
Joining Fee Details: The one-time joining fee is charged at card issuance for the Emeralde Private Metal Credit Card.
Annual Fee: 12499 (yearly)
Charged every year from the second year onwards; subject to applicable taxes and card terms.
Annual Fee Details: The annual fee for the Emeralde Private Metal Credit Card is charged each year to continue access to premium benefits, lifestyle privileges, and concierge services. Fee waiver, if applicable, depends on meeting the annual spend criteria as per the bank’s terms and conditions.
Forex Markup: 2% (Per Transaction)
Applicable on all international spends and foreign currency transactions; taxes apply as per government regulations.
Forex Markup Charges: A forex markup fee of 2% is levied on international transactions made using the Emeralde Private Metal Credit Card. This charge applies to overseas purchases, international websites, and transactions where the merchant is located outside India or the transaction is processed in a foreign currency.
Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹500) (Per transaction)
Applicable on cash withdrawals made at ATMs or bank counters; interest charges apply from the transaction date.
Cash Advance Charges: Cash withdrawals using the Emeralde Private Metal Credit Card attract a cash advance fee along with immediate interest charges as per card terms.
Late Payment Fee: 0 if Total Payment Due is less than 100 (Per billing cycle)
Charged if the minimum amount due is not paid by the due date.
Late Payment Charges: Late payment fees are levied when the minimum due is unpaid by the statement due date. Charges vary depending on the total outstanding balance. Less than ₹100 None Between ₹100- ₹500 ₹100 Between ₹501- ₹1,000 ₹500 Between ₹1001- ₹5,000 ₹600 Between ₹5,001- ₹10,000 ₹750 Between ₹10,001- ₹25,000 ₹900 Between ₹25,001- ₹50,000 ₹1100 More than ₹50,000 ₹1300
Over Limit Fee: 2.5% of the over-limit amount (minimum ₹500) (Per occurrence)
Applicable when the cardholder exceeds the assigned credit limit.
Over Limit Charges: An over-limit fee is charged if spending exceeds the approved credit limit on the card, subject to bank policies.
Returned Payment Fee: ₹450 (Per Transaction)
Applicable if a payment fails due to insufficient funds or technical issues.
Payment Return Charges: A returned payment fee is charged when a card payment made via cheque, ECS, or auto-debit is unsuccessful.
Cash Withdrawal Fee: 3.5% (Per Transaction)
Applicable on both domestic and international ATM withdrawals.
ATM Withdrawal Charges: Cash withdrawals using the Emeralde Private Metal Credit Card are treated as cash advances and attract withdrawal fees along with applicable interest charges from the transaction date.
Lounge Access Benefits with Emeralde Private Metal Credit Card
domestic Lounges
silverVisits per year: Unlimited
Guest access: Yes
Unlimited domestic airport lounge access for primary and add-on cardholders. Cardholder must present the eligible card at the lounge. Guest access is subject to lounge policies and availability.
Domestic Airport Lounge Access: Cardholders of the ICICI Emeralde Private Metal Credit Card issued by ICICI Bank enjoy unlimited access to participating domestic airport lounges across India. Access is available for both primary and add-on cardholders. Lounge entry is subject to prevailing lounge terms, capacity constraints, and identification requirements.
international Lounges
goldVisits per year: Unlimited
Guest access: Yes
International lounge access available via Priority Pass or equivalent programme. Access is subject to lounge availability, international lounge rules, and programme terms. Guest visits may be chargeable unless otherwise specified.
International Airport Lounge Access: Cardholders of the ICICI Emeralde Private Metal Credit Card issued by ICICI Bank are eligible for international airport lounge access across select locations worldwide. Access is typically provided through an affiliated lounge programme and is subject to prevailing terms, identification requirements, and lounge capacity. Guest access and complimentary visit eligibility depend on the lounge programme rules applicable at the time of entry.
Insurance Coverage with Emeralde Private Metal Credit Card
Air Accident Insurance
₹3,00,00,000Valid when the airline ticket is purchased using the eligible credit card, subject to policy terms and exclusions.
Air Accident Insurance Cover: Cardholders of the ICICI Emeralde Private Metal Credit Card issued by ICICI Bank are covered under an air accident insurance policy with coverage up to ₹3 crore. The benefit is applicable only when the air ticket is booked using the card. Coverage, eligibility, claim process, and exclusions are governed by the insurer’s policy terms and conditions. This insurance does not replace personal travel or life insurance.
Purchase Protection
Up to ₹2,00,000 per claim (subject to annual limits and policy terms)Valid for eligible purchases made using the credit card; covers loss or damage due to theft or accidental damage within a defined period from the date of purchase.
Purchase Protection Cover: Cardholders of the ICICI Emeralde Private Metal Credit Card issued by ICICI Bank are eligible for purchase protection on select retail purchases made using the card. Coverage applies for a limited duration from the purchase date and is subject to exclusions, claim limits, documentation requirements, and insurer policy terms. Certain items such as cash equivalents, jewellery, perishables, and used goods may be excluded.
Additional Features of Emeralde Private Metal Credit Card
Contactless Payments
Tap-to-Pay enabled for fast and secure transactions
Available at contactless-enabled POS terminals; transaction limits and security checks apply as per card network and issuer guidelines.
Contactless Tap-to-Pay service: The ICICI Emeralde Private Metal Credit Card issued by ICICI Bank supports contactless payments, allowing cardholders to tap their card for quick transactions without entering a PIN for eligible amounts. Security features and per-transaction limits apply in accordance with network rules and bank policies.
Concierge Service
24×7 personalised concierge assistance for travel, dining, lifestyle, and events
Services are subject to availability and partner policies. Certain bookings or requests may involve additional charges payable by the cardholder.
24×7 Concierge Assistance: Cardholders of the ICICI Emeralde Private Metal Credit Card issued by ICICI Bank have access to a dedicated concierge service available round the clock. The concierge can assist with travel planning, hotel and restaurant reservations, event bookings, and lifestyle requests, helping deliver a seamless premium experience. All services are provided on a best-effort basis and are subject to applicable terms and conditions.
Welcome Bonus with Emeralde Private Metal Credit Card
Welcome Bonus: 12,500 bonus reward
Bonus Conditions: Awarded on payment of joining or renewal fee. Invite-only card; subject to ICICI terms and conditions.
Application Process for Emeralde Private Metal Credit Card
Processing Time
Invitation and onboarding timelines vary; card dispatch typically within 7 business days after approval.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Contact your Relationship Manager or invitation link
Invitation or Relationship Offer: Eligible customers may receive an invitation from ICICI Bank based on their banking relationship, income profile, and credit history.
Provide KYC and income proof as requested
KYC Verification: Required documents may include identity proof, address proof, income documents, and any additional information requested by the bank.
Verification by the bank and agreement to T&Cs
Credit & Profile Assessment: The bank evaluates the applicant’s credit score, income stability, existing relationship value, and overall financial profile.
Card issued and dispatched after processing
Approval & Card Issuance: Upon successful approval, the card is issued and dispatched as per ICICI Bank’s fulfilment process.
Required Documents for Emeralde Private Metal Credit Card
ID Proof
All ApplicantsAccepted documents:
Identity Verification: Applicants must submit a valid government-issued identity document for verification. The document should be current, clearly legible, and match the applicant’s personal details provided in the application. Submission of PAN is mandatory for credit card issuance as per regulatory requirements.
Address Proof
All applicantsAccepted documents:
Address Verification: Applicants must provide a valid address proof reflecting their current residential address. The document should be recent and clearly legible. Address verification may be conducted as part of the bank’s onboarding process.
Income Proof
Self-employed / Salaried applicants (as applicable)Accepted documents:
Income Assessment: Income documents are required to assess eligibility and credit limits. The bank may request additional financial documents based on the applicant’s profile and relationship with the bank.
Photograph / Signature
All applicantsAccepted documents:
KYC Completion: A recent photograph and signature are required to complete KYC formalities. Digital submission may be accepted as per ICICI Bank’s onboarding process.
Relationship Documents
Existing ICICI Bank customers / Upgrade requestsAccepted documents:
Relationship Verification: Relationship documents help the bank evaluate existing engagement, upgrade eligibility, and relationship value. Submission of these documents may streamline approval for eligible ICICI Bank customers.
Emeralde Private Metal Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted across a wide network of merchants in India, including retail stores, restaurants, hotels, fuel stations, and service providers that support major card networks.
International Acceptance
Accepted at millions of merchant locations worldwide wherever international card networks are supported. International usage is subject to foreign exchange charges and local regulations.
Online Acceptance
Accepted on domestic and international e-commerce websites, mobile apps, and digital platforms that support card-based payments.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Emeralde Private Metal Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹1,800,000
Minimum annual income
Self-Employed Applicants
₹1,800,000
Minimum annual income
Who Can Apply
Important Conditions
- By invitation only, please get in touch with your Relationship Manager
How Approval Is Decided
- Invite-only eligibility via Relationship Manager
- High annual income / HNI profile
- Credit profile acceptable to issuer
Pros of Emeralde Private Metal Credit Card
- Generous welcome points and annual points on renewalGenerous welcome & renewal benefits: The card offers attractive welcome and renewal benefits that add long-term value for high spenders, making the annual fee easier to justify over time.
- Extensive lounge and lifestyle privilegesLounge and Lifestyles: Unlimited domestic and international lounge access, along with premium lifestyle benefits, makes this card ideal for frequent travelers and luxury seekers.
- Strong concierge and travel benefitsTravel: 24×7 concierge support, premium hotel partnerships, and travel privileges deliver a seamless, high-end experience for cardholders.
Cons of Emeralde Private Metal Credit Card
- High joining and annual feesFees: The card carries a premium joining and annual fee, which may not be suitable for users with moderate spending levels.
- Invite-only eligibility limits availability for many usersInvite-only eligibility: Availability is limited as the card is offered mainly through invitation or relationship-based approval by ICICI Bank, making it inaccessible to many applicants.
Frequently Asked Questions about Emeralde Private Metal Credit Card
Are there any category caps on rewards?
Yes. Certain categories like grocery, utilities and education have caps (for example, max 1,000 RP per category per statement); insurance has a higher cap.
Reward caps, eligible categories, and limits may be revised by ICICI Bank from time to time. Cardholders should refer to the latest reward programme guide for updated details.Is the ICICI Emeralde Private Metal Credit Card invite-only?
Yes. The ICICI Emeralde Private Metal Credit Card is generally offered on an invite-only or relationship-based basis, depending on the customer’s profile and bank assessment.
Issuance of the card is at the discretion of ICICI Bank and is typically extended to high-income or high-net-worth customers with an established banking relationship. Meeting basic eligibility criteria does not guarantee approval.Can the joining or annual fee be waived?
Fee waiver eligibility, if applicable, depends on annual spending thresholds or internal policies set by the issuer at the time of card issuance or renewal.
Fee waiver terms are communicated by ICICI Bank and may vary based on spending behaviour, relationship value, or promotional offers.Does the ICICI Emeralde Private Metal Credit Card offer unlimited lounge access?
Yes. The card offers unlimited domestic airport lounge access and international lounge access through an affiliated lounge programme, subject to lounge terms and availability.
Lounge access is subject to partner lounge policies, capacity constraints, and identification requirements. Guest access and complimentary visit eligibility may vary by lounge and programme rules.Add Your Review
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